Products and their features may change at any time.
This is a general description only. Get complete information about fees.
◊◊ No purchase necessary. Open January 1, 2019 to December 31, 2019 to legal residents of Canada who are sixteen (16) years of age or older and are current students of an accredited Canadian university, college or secondary school. Grand prize of $35,000 CAD. Odds of winning depend on number of eligible entries received. Math skill test required. Refer to the Student Life Network - Full Ride Contest Official Contest Entry Rules (PDF, 60 KB) .Opens a new window in your browser.
† Offer begins on May 1, 2019 at 12:01 a.m. (ET) and ends on September 30, 2019 at 11:59 p.m. (ET). Offer only open to Canadian residents who are not holders or joint holders of a CIBC chequing account. To qualify, open a CIBC Smart™ Account for students and provide a valid email address. Next, within one calendar month, you must: (i) register for and sign on to CIBC Online Banking or CIBC Mobile Banking; and (ii) complete at least five (5) eligible debit transactions from the CIBC Smart Account for students. Offer cannot be combined with any other offer, reward or rebate. The cash reward will be deposited into your CIBC Smart Account for students within 10-12 weeks of your completion of the required transactions. Other conditions apply. Visit a CIBC Banking Centre or visit cibc.com/smart-student.
To receive student account benefits, just show us your current student card and a copy of documentation verifying your enrolment in a full-time post-secondary program (college, university or CEGEP). These benefits are in effect for up to a maximum of 4 years from your program enrolment date (based on expected graduation date or length of the program, plus six additional months after graduation). After this, you must re-apply with proof of continued enrolment.
A transaction includes everyday banking transactions such as cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. Additional fee(s) apply to withdrawals from non-CIBC bank machines, wire transfers and foreign currency transactions (including cheques written in currencies other than the account currency).
‡ To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. A complete list of eligible CIBC products can be found at SPC and CIBC. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (30) years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product.
Trade-mark/registered trade-mark of Student Price Card Ltd.
1 Limit of up to 4 years.
2 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking, CIBC Mobile Banking, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (rebated for CIBC Smart Plus Accounts except the 2.5% administration fee on the converted amount of foreign currency ATM withdrawals), wire payments, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account)) and transactions in foreign currency (including cheques written in currencies other than the account currency).