Three young people smiling and enjoying each other’s company. One has a cup of coffee with steam rising from it.

Special offer

Get $125 cash^ⓘplus no-fee^ⓘeveryday banking

Until age 25 with CIBC Smart® Start.
Qualifying conditions apply.^ⓘ,^ⓘ

Apply now

Here’s how to get $125 cash

Open your first chequing account with CIBC Smart® Start.

Within 60 days of opening your account, make 5 eligible Visa* Debit purchases.Learn about Visa Debit purchases. Opens in a dialog.

Refer a friend and you’ll both earn $50^ⓘ

Refer up to 50 friends each calendar year. Qualifying actions apply.^ⓘ

Discover the perks of CIBC Smart Start

Free Skip+ membership, exclusively with CIBC^ⓘ

Link your eligible CIBC credit or debit card and enjoy $0 delivery fees.^ⓘPlus, earn a $10 monthly voucher with your free Skip+ membership.^ⓘ

Learn more about this offer.

Fuel up for less with Journie Rewards

Join Journie Rewards for free and link your eligible CIBC debit and credit cards to save up to 10 cents per litre on gas!

Free SPC+ membership for students^ⓘ

Level up your savings with up to 30% off 450+ brands you love

Forget the fees

Get unlimited Interac e-Transfer® and Visa* Debit transactions

Free Skip+ membership, exclusively with CIBC^ⓘ

Link your eligible CIBC credit or debit card and enjoy $0 delivery fees.^ⓘPlus, earn a $10 monthly voucher with your free Skip+ membership.^ⓘ

Learn more about this offer.

Enjoy convenient sign-up

Easily create an account for your child online

Make allowances easier

Parents can easily set up recurring transfers to deposit their child’s allowance using mobile banking

Keep your finger on the pulse

Enjoy parental control while your child learns financial literacy

Youth 14-24

Free Skip+ membership, exclusively with CIBC^ⓘ

Link your eligible CIBC credit or debit card and enjoy $0 delivery fees.^ⓘPlus, earn a $10 monthly voucher with your free Skip+ membership.^ⓘ

Learn more about this offer.

Fuel up for less with Journie Rewards

Join Journie Rewards for free and link your eligible CIBC debit and credit cards to save up to 10 cents per litre on gas!

Free SPC+ membership for students^ⓘ

Level up your savings with up to 30% off 450+ brands you love

Forget the fees

Get unlimited Interac e-Transfer® and Visa* Debit transactions

Parent of youth under 14

Free Skip+ membership, exclusively with CIBC^ⓘ

Link your eligible CIBC credit or debit card and enjoy $0 delivery fees.^ⓘPlus, earn a $10 monthly voucher with your free Skip+ membership.^ⓘ

Learn more about this offer.

Enjoy convenient sign-up

Easily create an account for your child online

Make allowances easier

Parents can easily set up recurring transfers to deposit their child’s allowance using mobile banking

Keep your finger on the pulse

Enjoy parental control while your child learns financial literacy

Best Bank for Youth and Students Canada 2026

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 with CIBC Smart Start is our no-cost account commitment to youths under the age of 25 and students.^ⓘ

Get $125 cash

Apply now