Want up to $600 in your pocket? Here’s how:

Get $100

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 up to $500

Refer up to 10 friends and earn $50 for each one.

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

Congrats, you’ve earned it!

See terms and conditions for more details

Smart Start also gets you investing perks

Get free online stock trading when you open a CIBC Investor’s Edge account.

Find out how

Discover the perks of CIBC Smart Start

Gain financial freedom while learning to manage your money

Stay on track

Forget the fees

Trade stocks for free

Get started without leaving the house

Get a free SPC+ membership††

Learn more about the SPC+ membership.

Banking that’s smart from the start

Enjoy convenient sign-up

One-on-one in-person advice

Make allowances easier

Keep your finger on the pulse