Transactions are withdrawals from your account done in-branch, via an ABM or electronically including bill payments, cash withdrawals, transfers, debit purchases, pre-authorized payments and cheques. Deposits into your account are free.
* Offer begins on February 14, 2017 at 12:01a.m. (ET) and ends on April 13, 2017 at 11:59 p.m (ET). Offer only open to Canadian residents who have reached the age of majority and who are not holders or joint holders of a CIBC chequing account. To qualify, open a CIBC Smart Account using the CIBC Mobile Banking App on a mobile device and use the eDeposit account activation method to complete the account opening . Next, within 3 calendar months, you must set up and complete within the CIBC Smart Account at least one (1) eligible recurring direct deposit OR at least two (2) different eligible recurring pre-authorized debits within the same calendar month. Offer cannot be combined with any other offer, reward or rebate except the CIBC Homeowner® Banking Bundle or the CIBC Smart Account fee waiver. Other conditions apply; for full details, see the Terms and Conditions (42 KB, PDF)
1 Please see the Personal Account Service Fees brochure available at cibc.com or in-branch for a description of transactions that are included in the CIBC Smart™ Account monthly fee and everyday banking fees for other Personal Bank Accounts and Services.
2 The additional $1.50 service fee has been removed for sending Interac e-Transfers®. Each Interac e-Transfer you send counts as a transaction for calculating your monthly fee.
CIBC Smart™ Account is a trademark of CIBC. CIBC Cube Design and “Banking that fits your life.” are trademarks of CIBC.