Starting January 1, 2027, we're updating the CIBC Smart Account and account fees. Learn more about upcoming changes to the CIBC Smart Account.

Here’s how to get up to $850

STEP 1

STEP 2

$500

+

$100

See complete list of eligible credit cards. Opens a dialog.

$250

Banking that rewards every stage of your life

As you achieve your financial goals and move through your tiers, you may be eligible for features and benefits including monthly account fee rebates and fee rebates on activeⓘ eligibleⓘ cards. Starting January 1, 2027, we're updating the CIBC Smart Account and account fees. Learn more about upcoming account changes to the CIBC Smart Account..

Tier 1

$0 to $39,999 - Average Monthly Balance in your personal deposit and investment holdings with CIBC Learn about eligible balances. Opens a dialog.
You get:
  • Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ  
  • Fee rebate for one non-CIBC ATM withdrawal in Canada each monthⓘ, ⓘ

Monthly fee: $16.95 (effective January 1, 2027: $17.95) for up to 3 accountsⓘ, ⓘ or pay $0 after monthly fee rebate with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account

Tier 2

$40,000 to $99,999 - Average Monthly Balance in your personal deposit and investment holdings with CIBC Learn about eligible balances. Opens a dialog.
You get:
  • Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ  
  • Unlimited fee rebates for non-CIBC ATM withdrawals worldwideⓘ 
  • Annual credit card fee rebate of up to $50 for the primary cardholderⓘ (Effective January 1, 2027, this credit card annual fee rebate will be discontinued. Learn more about upcoming account changes to the CIBC Smart Account..) 

Monthly fee: $0 for up to 3 accountsⓘ, ⓘ

Tier 3

$100,000 or more - Average Monthly Balance in your personal deposit and investment holdings with CIBC Learn about eligible balances. Opens a dialog.
You get:
  • Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ 
  • Unlimited fee rebates for non-CIBC ATM withdrawals worldwideⓘ
  • Annual credit card fee rebate of up to $139 for the primary cardholder; up to $50 each for up to 3 authorized usersⓘ (Effective January 1, 2027, this credit card annual fee rebate will be discontinued. Learn more about upcoming account changes to the CIBC Smart Account..)
  • Waived Monthly Fixed Feeⓘ for CIBC Overdraft Protection Service on up to 3 CIBC Smart Accountsⓘ 
  • Unlimited fee rebates for stop payments on cheques and pre-authorized paymentsⓘ

Monthly fee: $0 for up to 3 accountsⓘ, ⓘ  

 

Unlock special features and benefits with the CIBC Smart Account

Save on monthly account fees

We offer multiple ways to qualify for a monthly fee rebate on up to 3 CIBC Smart Accountsⓘ, ⓘ.

Get rewarded as you grow

Unlock features and benefits like annual fee rebates on an activeⓘ eligibleⓘ credit card as you move to higher tiers. Starting January 1, 2027, we're updating the CIBC Smart Account and account fees. Learn more about upcoming account changes to the CIBC Smart Account..

Enjoy unlimited transactionsⓘ, ⓘ

All CIBC Smart Accounts include unlimited transactions.ⓘ, ⓘ

Enjoy your CIBC Smart Account with the right credit card

CIBC Aventura Visa Infinite Card.

Limited time offer

Apply and earn up to $1,900 in value!ⓘ

Welcome offer

Join and earn up to $350 in valueⓘ including an annual fee rebate

CIBC Adapta Mastercard.

Welcome offer

Join and earn up to $200 in valueⓘ with no annual fee

Newcomer, student, under 25 or foreign worker?

We have special offers just for you! Learn more about CIBC Smart Account offers for newcomers, students, youths (under 25) and foreign workers.

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.

Not the right account for you?

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