Smart for Students | Bank Accounts

Unlimited everyday banking for university, college and CEGEP students graduating at age 25 and up.

You could win $35,000^◊◊ for tuition. Open a new CIBC bank account, credit card or line of credit to enter. Learn more

Full-time student? Check out these great offers

If you’ll graduate before turning 25, get unlimited everyday banking benefits and no monthly fee⁴ with CIBC Smart™ Start.

Our biggest offer of the season

Earn up to $125^† when you open your first chequing account with CIBC Smart for Students

Here’s how: Open your first CIBC Smart for Students. Then, within 2 months complete the following actions:

Get $25 when you provide your email address and put money in your account

Get $50 when you set up one ongoing direct deposit. Learn about direct deposits. Opens in a dialog.

Get $50 when you complete one of these 3 transactions within the same calendar month:

2 ongoing pre-authorized debits Learn about pre-authorized debits. Opens in a dialog.
2 online bill payments of $50 or more each
5 Visa* Debit purchases Learn about Visa Debit purchases. Opens in a dialog.

Get student deals and discounts with SPC+ and CIBC

Get a free SPC+ membership as an eligible CIBC student client.^‡

Save up to 30% on over 450 top brands, from fashion to tech and everything in-between.

Save on the spot with your digital membership both in-store and online.

Get exclusive access to better discounts, special experiences, cash prizes, giveaways and more.

CIBC Smart for Students at a glance

Monthly fee¹

Daily balance to avoid monthly fee

Not applicable

Interac e-Transfer
transactions

Transactions²

Free

Unlimited

Non-CIBC ATM withdrawals

One free non-CIBC ATM withdrawal (in Canada) per month³

Fees and details

How do I qualify?

CIBC Smart for Students:

You must be a Canadian resident. Learn about proof of enrollment. Opens a popup.

If you're an international student, you'll qualify when you show us your proof of international student status. Learn about international student status. Opens a popup.

Find a CIBC Banking CentreOpens a new window in your browser.

Graduating before age 25?

If you’ll graduate before turning 25, get unlimited everyday banking benefits and pay no monthly fee⁴ with CIBC Smart Start.

Keep your unlimited everyday banking benefits until 6 months after you graduate. After that, your account will continue as a regular CIBC Smart™ Account.

Open an account

Learn how to switch to CIBC

Success begins with smart banking

Save up to 10 cents per litre on gas

Link and use your CIBC card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron locations.

Learn more about Journie Rewards

Do it all on your phone

Pay bills, transfer money between your accounts and use Interac e-Transfer service to send money to your friends. Do it all with our award-winning CIBC Mobile Banking^®App. Plus, you can use our digital payment and mobile wallet options to pay with your smartphone.

Find us nearby

Need advice? Drop in. We have more than 1,100 banking centres to serve you.

Need cash quickly? With nearly 4,000 ATMs across Canada, it's easy to find one near campus.

Find a CIBC branch and ATMOpens a new window in your browser.

Get great student advice

We have tips, videos and articles to help you learn how to pay for school, manage your money, budget and plan for the future.

Explore all student advice

Bank with confidence

Your privacy and security are our priorities. You can help protect yourself, too. Let us show you how.

Learn about privacy and security at CIBC

Are you a medical, dental or optometry student?

Get a bank account that suits your needs with a banking bundle designed for you.

Learn moreabout banking for medical, dental and optometry students

Help and advice

How to

Pay bills

^{Pay bills with your phone or online. It's quick and easy to set up recurring payments so you never miss a due date.}

Learn more

How to

Save on bank account fees

^{Find the right product and learn how to reduce your everyday banking fees.}

Learn more

How to

Send money with Interac e-Transfer

It's easy and secure to send cash and request money from others. Register for Autodeposit and skip answering security questions.

Learn more

Questions?

Top bank account questions Opens a new window in your browser.

Need to talk?

Get in touch. We're here to help

Meet with us

Call us

CIBC is a member of Canada Deposit Insurance Corporation (CDIC)

CIBC Smart™ for Students

Full-time student? Check out these great offers

Earn up to $125† when you open your first chequing account with CIBC Smart for Students

Get student deals and discounts with SPC+ and CIBC

CIBC Smart for Students at a glance

Monthly fee1

Daily balance to avoid monthly fee

Interac e-Transfer transactions

Transactions2

Non-CIBC ATM withdrawals

How do I qualify?

CIBC Smart for Students:

Graduating before age 25?

Success begins with smart banking

Save up to 10 cents per litre on gas

Do it all on your phone

Find us nearby

Need advice? Drop in. We have more than 1,100 banking centres to serve you.

Need cash quickly? With nearly 4,000 ATMs across Canada, it's easy to find one near campus.

Find a CIBC branch and ATMOpens a new window in your browser.

Get great student advice

Bank with confidence

Your privacy and security are our priorities. You can help protect yourself, too. Let us show you how.

Learn about privacy and security at CIBC

Are you a medical, dental or optometry student?

Help and advice

Lost, stolen or damaged cards

Report fraud

Resources

How to

How to

How to

Need to talk?

Earn up to $125^† when you open your first chequing account with CIBC Smart for Students

Monthly fee¹

Interac e-Transfer
transactions

Transactions²