What to love about the CIBC Smart Account

No Interac e-Transfer® service fee

Enjoy unlimited transactions1

Keep track of your account

Free paperless record keeping

CIBC Smart Account debit card

Bank smarter with a flexible monthly fee

No worries — only pay for what you use

Starting at
 $

Capped at
$

 If you’re a Canadian resident age 65 or older, you get a $4.95 monthly fee discount. Learn moreabout CIBC Smart for Seniors

Monthly fee by number of transactions Learn about transactions. Opens in a pop-up window.



How to earn $300 and a monthly fee rebate for up to 12 months

Open a new Smart Account and provide your email address.

You get a fee rebate for the first 3 months — no minimum balance required.

Within the first 3 months, set up 1 recurring direct deposit Learn about eligible direct deposits. Opens in a pop-up window. or 2 recurring pre-authorized debits Learn about eligible pre-authorized debits. Opens in a pop-up window..

You’ll get your $300 within 7 months after you opened your account. Plus, get a monthly fee rebate for the next 9 months. Maintain the transactions you’ve set up in step 2 to qualify.

Want to keep paying no monthly fees?

Newcomer, student or foreign worker?