CIBC Smart™ Start

Banking that's smart from the start. Under 25? Pay no monthly fee for unlimited everyday banking and earn up to $150 with CIBC Smart Start.


Key features

 No monthly fee on a CIBC Smart Account until age 251

 Free unlimited Interac e-Transfer® transactions2

 Free unlimited debit and Visa* Debit purchases in Canadian dollars

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

CIBC Smart™ for Students

Unlimited everyday banking for university, college and CEGEP students age 25 and older.


Key features

 No monthly fee on a CIBC Smart Account for as long as you study full time4

 Free unlimited Interac e-Transfer transactions2

 Free unlimited debit and Visa* Debit purchases in Canadian dollars

 One free non-CIBC ATM withdrawal in Canada per month3

CIBC Dividend® Visa* Card for Students

Get the student credit card that puts cash back in your pocket when you spend on groceries, transportation and other daily essentials.


Key features

 No annual fee

 Get a credit limit of $1,000 or more

 Get $60 cash back after you make your first purchase within the first 4 months

 Plus, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more5

CIBC Investor's Edge for Students

Don’t know much about investing? Our online platform has educational tools to help you build your portfolio, even on a student budget.


Key features

 Use our educational tools to help you make confident decisions

 Build your investment portfolio online

 Pay zero annual fees with no minimum balance required

CIBC Education Line of Credit

Get help with your post-secondary education costs, such as tuition, textbooks and other daily expenses.


Key features

 Borrow up to $60,000 for your post-secondary education6

 Pay interest only on the amounts you actually use. You are eligible for a CIBC Education Line of Credit while you are in school, and for 12 months after graduation (or 6 months if you leave your program without graduating)

Success begins with smart banking

Do it all on your phone

Tap your phone to pay with Interac® Debit, Apple Pay® or Google Pay™ and access your account with our award-winning CIBC Mobile Banking® App. 

Save up to 10 cents per litre on gas7

Link and use your CIBC debit or credit card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron locations.8

Get your student-life essentials on a budget

Get a free SPC+ membership and save up to 30% on over 450 top brands when you shop online or in-store. Plus, get exclusive access to special experiences, cash prizes, giveaways and more.

Find us nearby

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

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

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.

Learn more about privacy and security