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Banking for students
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Why CIBC Smart™ for Students?
Enjoy student banking that sets you free. Get a debit card for all your day-to-day banking and to securely pay for purchases directly from your CIBC bank account.
- No monthly fee
- Unlimited debit transactions1
- Free unlimited Interac e-Transfer® service
Unlimited is better (0:58)
Unlimited transactions. No monthly fees. It’s that simple.Read transcriptRead transcript for video Unlimited is better.
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Why a student card?
Your credit card should get you rewards easily.
Earn travel, cash back or retail perks while you build your credit. Applying takes about 5 minutes, and you’ll get a response in as little as 60 seconds2.
- Shop and save, with up to 2% cash back on groceries3
- Collect Aventura® Points or Aeroplan® Miles to get free flights
- Get free goodies and collect Tim Cash™
Understanding your credit score (1:08)
Your credit score can be important. Your fellow students know why. Do you?Read transcriptRead transcript for video Understanding your credit score.
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Why student lines of credit?
Get help with your tuition costs with a line of credit of up to $60,0004
The CIBC Education Line of Credit is for you if you need access to funds while attending an accredited Canadian university or college to cover tuition, textbooks and other daily personal expenses.
Borrow up to $275,000 for professional studies5
The CIBC Professional Edge® Student Program can help you cover the cost of books, tuition and residency (depending on your field of study). You only pay interest while you’re in school and for up to 1 year after you graduate.
Paying for school (0:55)
Higher education isn’t cheap. The good news is there are lots of options to help pay for school. Check out what other students have to say.
Transfer money, pay bills and use your smartphone to pay for your everyday purchases.
Owe your study buddy money? Pay her back, with no minimum transfer limit.
Find out how to get free unlimited Interac e-Transfer® service
Pay your bills and your tuition from your phone.
Forgot your wallet at your dorm? No problem. Use your smartphone to pay without carrying the plastic.
We received the highest overall score in Mobile Banking and Online Banking functionality and usability, among Canada's 5 largest retail banks.
Your security comes first.
It’s simple: if you’ve been a victim of fraud, and you’ve met all of your responsibilities, we promise to return 100% of the money you’ve lost from your CIBC accounts.
Find your ATM near campus
We know you need cash on hand for sports club memberships, coffee and even nights out with friends. With CIBC’s network, your money is where you need it.
We’re easy to find, with nearly 4,000 ATMs and 1,100+ Banking Centres at your disposal.
Looking for more information?
Get started
Open an account with your phone using our app
CIBC Live Labs is our innovation and digital technology centre in Toronto's MaRS Discovery District. We challenge ourselves to see the world through the eyes of the client, then build and test our way to success.
How to enter:
Step 1
Get a new CIBC student bank account, credit card, or line of credit
You have until December 31, 2018.
Step 2
Join Student Life NetworkOpens a new window in your browser
Already a member? Just remember to open your new CIBC bank account, credit card, or line of credit before December 31, 2018 to enter the contest.
You’ll be automatically entered for a chance to win $35,000. On January 10, 2019, a winner will be picked from active SLN membersOpens a new window in your browser.
No purchase necessary. Review the full Contest Rules (PDF, 340 KB) .