Wondering what you'll pay for CIBC Smart for Students?
Personal Account Service Fees (PDF, 425 KB) Opens a new window.
CIBC Global Money Transfer™ Agreement (PDF, 150 KB) Opens a new window.
Explore CIBC Smart for Students fees
Features |
Tier 1 $0 to $39,999 in average monthly eligible balances Learn about eligible balances. Opens in a dialog. |
Tier 2 $40,000 to $99,999 in average monthly eligible balances Learn about eligible balances. Opens in a dialog. |
Tier 3 $100,000 or more in average monthly eligible balances Learn about eligible balances. Opens in a dialog. |
|---|---|---|---|
| Monthly fee | Pay $0 for full-time university, college and CEGEP students graduating at age 25 and up.ⓘ | Pay $0 for full-time university, college and CEGEP students graduating at age 25 and up.ⓘ | Pay $0 for full-time university, college and CEGEP students graduating at age 25 and up.ⓘ |
| Transactionsⓘ Learn about transactions. Opens in a dialog. | Unlimited | Unlimited | Unlimited |
| Interac e-Transfer® transactionsⓘ | Unlimited | Unlimited | Unlimited |
| ATM fees | Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ. | Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ. | Fees for unlimited non-CIBC ATM withdrawals in Canada, the U.S. and internationally are rebated each monthⓘ. |
| Credit card annual fee rebate | No annual fee rebate. Annual fees vary depending on selected CIBC credit card. | Up to $50 for the primary cardholderⓘ. | Up to $139 for the primary cardholder; up to $50 each for up to 3 authorized usersⓘ. |
| CIBC Overdraft Protection Service (COPS) | Two COPSⓘ options are available for a fee: Monthly Fixed Fee and Pay Per Use. Learn more |
Two COPSⓘ options are available for a fee: Monthly Fixed Fee and Pay Per Use. Learn more |
Monthly Fixed Feeⓘ is not applied on up to 3 CIBC Smart Accountsⓘ. |
Additional fees and banking services
Record keeping fees
Paperless statementsⓘ: Free
Paper statements:
- Monthly: Free
- Quarterly: Free
- Monthly with cheques imagedⓘ: Free
- Interim Learn about interim paper statements. Opens in a dialog.: $4.50 each
- Additional copy of statement: $5.00 each
Other fees
For details about fees for cheques, money orders and bank drafts, stop paymentsⓘ, NSF, wire payments, safety deposit boxes, account closing and account transfers to other financial institutions, review additional service fees.
Learn more about other banking services
