Newcomer banking bundle

Pay no monthly fee for 2 years,^ⓘ plus earn up to $600^ⓘ

When you open a CIBC Smart® Account for Newcomers with no monthly fee for 2 years and add the CIBC Dividend Platinum® Visa* Card with a 2-year annual fee rebate. Qualifying actions apply.^ⓘ

Here’s how to earn up to $600

STEP 1

Open your first CIBC Smart Account for Newcomers, then within 2 months, set up at least one recurring direct deposit of $500 or more per month from your employer, government or pension. Learn about direct deposits. Opens a dialog.

STEP 2

Now, you’re ready to earn $500 with your Smart Account for Newcomers plus $100 with any eligible credit card by completing these qualifying actions.^ⓘ

Earn

$500

with a CIBC Smart Account for Newcomers.
Within 60 days of opening your Smart Account, complete one of the following actions within the same calendar month:

2 recurring pre-authorized debits Learn about pre-authorized debits. Opens a dialog.

2 online bill payments of $50 or more each Opens a new window.

5 eligible Visa* Debit purchases Learn more about Visa debit purchases. Opens a dialog.

Earn

$100

when you apply and get approved for any eligible credit card within one month of opening your CIBC Smart Account for Newcomers. See complete list of eligible credit cards. Opens a dialog.

The benefits of CIBC Smart Account for Newcomers

Save over $400 in monthly fees

Pay no monthly fee for 2 years.^ⓘ
After your second year, your monthly fee will be $0^ⓘ or $16.95.

Unlimited transactions^ⓘ

Plus, enjoy free unlimited Interac e-Transfer^® transactions.^ⓘ

Refer your friends and family and you’ll each earn $50^ⓘ

Refer up to 50 friends and family members each year. Qualifying actions apply.^ⓘ

Learn more about referring your friends and family.

TIERED BANKING

Banking that rewards every stage of life

Move through CIBC Smart Account tiers and get rewarded. You may be eligible for features and benefits including fee rebates on active^ⓘ eligible^ⓘ credit cards.

Learn more about tiered banking

Get access to exclusive offers that will save you money

Koodo phone plan

CIBC Newcomer clients will receive an exclusive offer from Koodo to save money on their mobility plan.

Pre-paid Koodo SIMs

Get 30 days of free Canada-wide Koodo service with a CIBC account, featuring 7GB + unlimited Canada-wide call and text.

Learn more

Discover the best of Canada for free with CIBC and Canoo

The Canoo Cultural Pass provides you with VIP access to over 1,400 of our country’s most exciting cultural and outdoor experiences.

Learn moreabout Canoo. Opens in a new window.

Get a 12-month Skip+ free trial^ⓘ

Link your CIBC debit card to enjoy over $600^ⓘ in savings, $0 delivery fee and exclusive savings and rewards with your Skip+ membership.

Learn more about this offer.

Applying from your device is fast and easy.

To open your account, upload a photo of your ID and a selfie, and you’ll receive your card in 7 to 10 business days.

Are you under 25 years old?

This offer is only available to clients 25 and over.

However, you qualify for a $125 offer and no-fee everyday banking with CIBC Smart™ Start.

Learn more

Commitment on low-cost and no-cost accounts

We’re committed to providing access to modern basic banking services for certain groups at no cost.

The CIBC Smart Account for Newcomers is our no-cost account commitment to newcomers.^ⓘ

Pay no monthly fee for 2 years^{dagger symbol (footnote)}

Get started

Pay no monthly fee for 2 years,ⓘ plus earn up to $600ⓘ

Here’s how to earn up to $600

The benefits of CIBC Smart Account for Newcomers

Save over $400 in monthly fees

Unlimited transactionsⓘ

Refer your friends and family and you’ll each earn $50ⓘ

Get access to exclusive offers that will save you money

Koodo phone plan

Pre-paid Koodo SIMs

Discover the best of Canada for free with CIBC and Canoo

Get a 12-month Skip+ free trialⓘ

Applying from your device is fast and easy.

Pay no monthly fee for 2 years,^ⓘ plus earn up to $600^ⓘ

Unlimited transactions^ⓘ

Refer your friends and family and you’ll each earn $50^ⓘ

Get a 12-month Skip+ free trial^ⓘ