Earn extra rewards. Here’s how:

Get $175ⓘ 

Open your first chequing account with CIBC Smart™ Start. Then, within 2 months of opening the account:

Make 5 Visa* Debit purchases online Learn about Visa Debit purchases. Opens in a dialog. within the same calendar month.

+

Earn $50 for you and a friendⓘ

Refer a student or youth under 25 and you’ll each earn $50.ⓘ

You can now refer up to 50 friends. Qualifying actions apply.

They need to open their first chequing account with CIBC Smart Start and set up one ongoing direct deposit.

Learn more

Congrats, you’ve earned it!

See terms and conditions for more details

TIERED BANKING

Banking that rewards every stage of life

Discover the perks of CIBC Smart Start

Gain financial freedom while learning to manage your money

Forget the fees

Trade stocks for free

SPC plus logo.

Free SPC+ membership for studentsⓘ 

Get a 12-month Skip+ free trialⓘ

Learn more about this offer.

Banking that’s smart from the start

Enjoy convenient sign-up

Make allowances easier

Keep your finger on the pulse

Get a 12-month Skip+ free trialⓘ 

Learn more about this offer.

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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.ⓘ