† Offer begins on February 5, 2021, at 12:01 am ET and ends on July 29, 2021, at 11:59 pm ET. Offer available 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 or CIBC Smart™ Plus Account and provide your email address. Within 2 months of opening the account, complete 2 of the following 3 activities: (i) at least 1 recurring direct deposit; (ii) at least 2 different recurring pre-authorized debits; (iii) at least 2 online bill payments of at least $50 each. The direct deposit and the pre-authorized debit must remain in effect for at least 2 consecutive months. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated. The cash reward will be deposited into your account seven (7) months after you have opened the account. Other conditions apply; review the terms and conditions (PDF, 135 KB) Opens in a new window..
◊ Value of $500 is based on the following, as of November 8, 2020: i) $179.40 ($14.95 per month) for unlimited transactions using a CIBC Smart Account; ii) $289 in annual fees for the CIBC Aeroplan® Visa Infinite* Card, which includes a $139 annual fee rebate for the primary cardholder and annual fee rebates for 3 additional authorized users ($50 for each authorized user); iii) $48 in value based on the inclusion of CIBC Overdraft Protection Service monthly fees ($4 per month); note that interest charges for overdraft amounts and overdraft overlimit fees apply; iv) $20 in value based on non-CIBC bank machine fees assuming 6 domestic, 1 U.S. and 1 international bank machine withdrawals in one year.
1 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC credit cards and CIBC personal lines of credit) and debit purchases. For all accounts, transfers to CIBC-branded loans, mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and doesn’t include CIBC Bank USA). Other fees apply to wire payments and transactions in foreign currency (including cheques written in currencies other than the account currency).
2 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 190 KB) Opens in a new window..
3 The savings of up to $289 is based on the annual credit card fee rebate for the CIBC Aeroplan Visa Infinite Card. The rebate includes a $139 annual fee rebate for the primary cardholder and annual fee rebate for 3 additional authorized users valued at $50 for each authorized user.
Fees charged by other financial institutions or third parties for using their ATMs, and the 2.5% administration fee on the converted amount for foreign currency ATM withdrawals aren’t included in this feature and will be charged to your account. ATM withdrawal amounts may be limited to a maximum dollar withdrawal amount.
4 If you get a CIBC Smart Plus Account, you’ll receive an annual fee rebate of up to $139 on a premium CIBC credit card for the primary cardholder and an annual fee rebate of up to $50 for up to 3 additional authorized users. Existing eligible CIBC credit card holders who have already paid the annual fee at the time the CIBC Smart Plus Account was opened will be provided a pro-rated rebate credit. The rebate is also available for credit card holders with the following CIBC credit cards no longer available for new clients: CIBC Aventura® World Mastercard®, CIBC Aventura World Elite® Mastercard, CIBC Aventura Mastercard ($99), CIBC Aerogold® Visa* and CIBC Gold Visa* Card. Other terms and conditions apply. For details, review the CIBC Smart Plus Credit Card Annual Fee Rebate Terms and Conditions (PDF, 85 KB) Opens in a new window. .
5 If you apply for and are approved for CIBC Overdraft Protection Service (COPS), the COPS fee isn’t applicable, however you’ll pay interest on any overdraft amount on your account and overlimit fees if applicable. COPS is available on select CIBC personal bank accounts for clients who meet CIBC’s standard credit criteria.
6 The monthly fee will be automatically rebated for the month you open or convert to your first CIBC Smart Plus Account and for the next two months. This three month fee rebate doesn’t apply to any subsequent CIBC Smart Plus Accounts opened by you alone or jointly.
7 Entire monthly fee is rebated if you maintain a minimum balance at the end of each day during the month of $6,000 in your account or $100,000 in Savings and Investments. Savings and Investments are the following registered and non-registered products held in your name or jointly with other people: CIBC chequing account; CIBC savings account; Guaranteed Investment Certificate (GIC) issued by CIBC, CIBC Trust Corporation and CIBC Mortgages Inc.; CIBC Mutual Funds; and personal CIBC deposit and investment products held with CIBC Managed Portfolio Services (CIBC Securities Inc.), CIBC Personal Portfolio Services, CIBC Investor’s Edge® and CIBC Imperial Investor Services. Terms and conditions apply. For details, review the CIBC Smart Plus Account Fee Rebate Terms and Conditions (PDF, 115 KB) Opens in a new window..
8 Visa* Debit transactions are any transactions which can be done online, by phone or by mail at participating retailers or at stores in the U.S. and internationally wherever Visa is accepted.
9 You will save three cents ($0.03) per litre at the time of your purchase if you present your Journie Rewards card or app and use your linked CIBC card to pay. Available at participating locations on any grade of gasoline or diesel up to 100 litres per transaction. To get the discount, you must be enrolled in and use CIBC Online Banking or the CIBC Mobile Banking® App to link your eligible CIBC card(s) to Journie Rewards. Card linking may take up to two (2) business days. Please visit cibc.com/journie for full program term and conditions.
Participating locations include select retail Chevron, Pioneer or Ultramar branded gas stations in Canada. For a full list of participating stations, visit Journie Rewards Opens in a new window..
™ All of Journie Rewards trademarks are owned by Parkland Fuel Corporation.
™ All of Pioneer’s trademarks are owned by Parkland Fuel Corporation; Pioneer Energy is a licensed user of those trademarks.
Ultramar is a registered trademark of Valero Energy Inc., used under license.
CHEVRON is a registered trademark of Chevron Intellectual Property LLC, used under license.
10 All Paymi rewards are provided by Paymi and not CIBC. Paymi terms and conditions apply, visit www.paymi.com Opens in a new window.. Paymi cash back rewards can only be earned on eligible cards and offer related purchases with the payment card(s) linked to your Paymi.com account, or by clicking through the link to a merchant website as directed in Paymi’s member offer web and app pages. Read the information on all offers in Paymi’s member offer web and app pages for full details on cash back eligibility. Eligible card details found at www.cibc.com/en/special-offers/paymi.html. Offer related purchases are purchases made in response to a merchant offer made to you via the Paymi platform. The purchases must be made within the offer period specified on Paymi’s member offer web and app pages to be eligible for cash rewards. Offers expire at midnight on the offer end date specified. If an offer related purchase is canceled or returned for a full refund, the Paymi.com incentive rewarded will be deducted. If a portion of the offer related purchase is returned, the Paymi.com incentive awarded will be reduced proportionately in relation to the return amount of the purchase. Redemption of the cash back rewards is facilitated through Paymi.com through Interac e-Transfer.
Paymi is owned and operated by Integrated Rewards Inc.