FULL RIDE CONTEST

Enter for your chance to win $35,000!^◊◊

We partnered with Student Life Network to help you cover 4 year’s tuition.

Refer your student friends and get up to $500. Learn more

Complete these steps to be automatically entered

Winner will be picked January 9, 2024. Check full rules for other ways to enter.

Be a member of Student Life Network. It’s free to join.

Open a new CIBC student bank account, credit card, or line of credit.

Or, link your existing CIBC youth or student account with a free digital SPC+ membership.

Find the right product for you

Bank accounts

Special offer Get $100^† with CIBC SmartTM Start and $50 each for up to 10 friends you refer^‡

Students and youth under 25

CIBC Smart Start

No monthly fee on a CIBC Smart Account until age 25¹
Free unlimited Interac e-Transfer® transactions²
Free unlimited debit and Visa* Debit transactions in Canada
One free non-CIBC ATM withdrawal in Canada per month³

Apply now Learn more

Students 25 and older

CIBC Smart for Students

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 transactions in Canada
One free non-CIBC ATM withdrawal in Canada per month³

Learn more

Lines of credit

CIBC Education Line of Credit

Get help for tuition, books, and more.

CIBC Professional Edge® Student Program

For students enrolled in professional programs.

a bundle of cibc dividend visa card for students, smart start debit card, and refer a friend offer.

Bundle for more

Earn up to $130 cash back after you get CIBC Smart™ Start and a CIBC Dividend® Visa* Card for Students. Plus, earn $50 for every student friend you refer^◇. Conditions apply.

Learn more

Meet with us

Book an appointment to get help with your application

International students, visit a CIBC Banking Centre to apply

Our next winner could be you

2022 Winner

Jo Mgonja
University of Guelph

2021 winner

Sanya Walia
L'Amoreaux Collegiate Institute

2020 winner

Zander Santos
Archbishop Carney Regional Secondary School

2019 contest winner Alejandro Mansilla holding a large cheque for $35,000 from CIBC.

2019 winner

Alejandro Mansilla
Cameron Heights Collegiate Institute

2018 contest winner Alexander McLeod holding a large cheque for $35,000 from CIBC.

2018 winner

Alexander McLeod
Western University

Questions?

What if I already bank with CIBC?

What if I already opened a new student bank account, credit card, or line of credit after January 1?

Do I need to open all three – a bank account, credit card, and line of credit to enter the contest?

What if I’m already a member of Student Life Network?

Can international students studying in Canada enter the contest?

^†Cash reward offer begins on October 17, 2023, at 12:01 am ET. Offer available to Canadian residents, and international students, who meet the eligibility requirements for the CIBC Smart Start or CIBC Smart for Students benefit and, from 2021 to the time of opening the account, are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for this offer, open a CIBC Smart Account with Smart Start or Smart for Students benefits. Within 2 months after the month of opening the account, earn a $100 cash reward when you complete 5 Visa Debit purchases within the same calendar month. Eligibility of transactions will be determined by CIBC in its sole discretion. This offer can be combined with the CIBC Student Refer-a-Friend Program. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you have opened the account. Other conditions apply; review the terms and conditions (PDF, 130 KB) Opens in a new window..

^◇ Earn $50 each time a person you refer qualifies and receives their reward, up to $500 each year this offer is available between January 1 to December 31, for the first 10 people you refer each year that qualified and got their cash reward. To learn more, refer to the Referral Program Terms and Conditions (PDF, 115 KB) Opens in a new window..

^◊◊NO PURCHASE NECESSARY. Open January 1, 2023 to December 31, 2023 to legal residents of Canada who are 16 years of age or older and are current students of an accredited Canadian university, college or secondary school. One Grand Prize available to be won consisting of:

One cheque for $8,750 made payable to the winner;
One 1-year GIC for $8,750 opened in the winner’s name;
One 2-year GIC for $8,750 opened in the winner’s name and;
One 3-year GIC for $8,750 opened in the winner’s name. Odds of winning depend on number of eligible entries received. Math skill-testing question required.

Full Contest Rules (PDF, 160 KB) Opens in a new window.

^‡ 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 above in "How do I qualify for SPC membership with 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.

Trademark/registered trademark of Student Price Card Ltd.

¹ Until age 25 and then regular Smart Account fees will apply.

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 personal bank account(s) and to your CIBC Personal Line(s) of Credit (except Interac e-Transfer service which will be treated as a transaction) and transfers to your CIBC Credit Card account(s). 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. Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (for CIBC Smart Plus Accounts, the fee for all non-CIBC ATM withdrawals in Canada, the U.S. and internationally is rebated each month; for CIBC Smart Accounts and for clients enrolled in CIBC Smart Start or CIBC Smart for Students, the fee for 1 non-CIBC ATM withdrawal made in Canada is rebated each month), 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 Smart Start, CIBC Premium Growth Account with CIBC Advantage for Youth, CIBC Smart for Students, and CIBC Advantage for Students on the CIBC Everyday Chequing Account; clients 65 years of age and older do not pay the Interac e-Transfer fee on any CIBC chequing account) and foreign currency transactions (including cheques written in currencies other than the account currency).

³ CIBC will rebate one non-CIBC ATM withdrawal fee charge; charges from the other financial institution may apply.

⁴ Until graduation date plus an additional 6 months, up to a maximum of 4½ years in total. Regular Smart Account fees will apply thereafter.

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