† 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.
You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning July 4, 2024.
If you apply and are approved for a new CIBC Dividend® Visa* Card for Students, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $1,000 in total net purchases (equal to $100 cash back), whichever comes first.
Cash back is awarded at the end of the year as a credit on your December statement.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa* Card for Students are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
The CIBC Best Student Life Bundle cash reward offer begins on July 12 at 12:01AM ET. Offer is available to residents of Canada and international students who: (i) have reached the age of majority in their province or territory of residence, and (ii) do not currently hold a CIBC credit card, CIBC chequing account or CIBC savings account. To qualify for the cash reward, you must apply online for the CIBC Best Student Life bundle and open your first: CIBC eAdvantage Savings Account, CIBC Smart account with either the Smart Start or Smart for Student benefit, and CIBC student credit card. A valid e-mail address must be provided as part of the application. You must: (i) by the end of the second full calendar month after the month the last product in the bundle is opened (the “Qualifying Month”), have a closing balance of least $100 in each of your CIBC Smart account and your CIBC eAdvantage Savings account, and then (ii) maintain a month-end closing balance above $0 for the next two calendar months following the Qualifying Month. Closing balances will be determined based on transactions that have been posted to your account on or before the end of the calendar month. In most cases, transactions completed after 6:00 pm ET or on weekends and holidays will be posted on the next business day. If all offer requirements are met, the $50 cash reward will be credited to your CIBC Smart account directly within two (2) months after the month you completed all offer requirements. Limit of one cash reward per eligible client. All deposit and credit card products must remain open, unconverted, and in good standing at the time the reward is deposited. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms at any time without notice. Offer can be combined with: CIBC Student Refer-a-Friend, CIBC Smart Start & Smart for Student cash reward offers, CIBC eAdvantage Savings Account special interest rate offers, and CIBC credit card cash, Aventura Points, or Aeroplan points welcome offers. This offer cannot be combined with any other offer, reward, or rebate unless otherwise indicated by CIBC.
‡ 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..
◇ You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning July 4, 2024.
If you apply and are approved for a new CIBC Dividend® Visa* Card for Students, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $1,000 in total net purchases (equal to $100 cash back), whichever comes first.
Cash back is awarded at the end of the year as a credit on your December statement.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa* Card for Students are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
†† The CIBC Best Student Life Bundle cash reward offer begins on July 12 at 12:01AM ET. Offer is available to residents of Canada and international students who: (i) have reached the age of majority in their province or territory of residence, and (ii) do not currently hold a CIBC credit card, CIBC chequing account or CIBC savings account. To qualify for the cash reward, you must apply online for the CIBC Best Student Life bundle and open your first: CIBC eAdvantage Savings Account, CIBC Smart account with either the Smart Start or Smart for Student benefit, and CIBC student credit card. A valid e-mail address must be provided as part of the application. You must: (i) by the end of the second full calendar month after the month the last product in the bundle is opened (the “Qualifying Month”), have a closing balance of least $100 in each of your CIBC Smart account and your CIBC eAdvantage Savings account, and then (ii) maintain a month-end closing balance above $0 for the next two calendar months following the Qualifying Month. Closing balances will be determined based on transactions that have been posted to your account on or before the end of the calendar month. In most cases, transactions completed after 6:00 pm ET or on weekends and holidays will be posted on the next business day. If all offer requirements are met, the $50 cash reward will be credited to your CIBC Smart account directly within two (2) months after the month you completed all offer requirements. Limit of one cash reward per eligible client. All deposit and credit card products must remain open, unconverted, and in good standing at the time the reward is deposited. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms at any time without notice. Offer can be combined with: CIBC Student Refer-a-Friend, CIBC Smart Start & Smart for Student cash reward offers, CIBC eAdvantage Savings Account special interest rate offers, and CIBC credit card cash, Aventura Points, or Aeroplan points welcome offers. This offer cannot be combined with any other offer, reward, or rebate unless otherwise indicated by CIBC.
◊◊ This offer is only available to clients opening their first CIBC eAdvantage® Savings Account (“eSA”). Eligible eSAs will earn a special annual interest rate (the “Special Interest Rate”) on balances up to $1,000,000 for 120 days from the date the eSA is opened (“Special Rate Period”). The Special Interest Rate is a combination of the regular interest rate that applies to your eSA balance tier, plus an additional bonus interest rate. Any change to the regular interest rate will result in a corresponding change to the bonus interest rate so that the overall Special Interest Rate will remain the same during the Special Rate Period. Regular interest is calculated daily on each day’s full closing balance and paid monthly to your eSA. Bonus interest is calculated daily on each day’s full closing balance up to a balance limit of $1,000,000 during the Special Rate Period and is paid monthly to your eSA. Both the regular and bonus interest rates are based on the tier your daily closing balance falls within. For current interest rates, visit CIBC’s interest rates page. Interest rates quoted are annual; regular and bonus rates may change at any time without prior notice. Other conditions apply. For full offer details, review the full terms and conditions (PDF, 140 KB) Opens in a new window. or visit a CIBC Banking Centre 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. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is 14 years of age or over, but under the age of 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. To learn more about eligibility requirements, visit the CIBC and SPC+ partnership page.
✧ 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.
1 Once you turn 25, Smart Start benefits will automatically expire and regular Smart Accounts fees will apply unless you are eligible for another type of benefit at that time.
2 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 300 KB) Opens in a new window..
3 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), to your CIBC Personal Line(s) of Credit and 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 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).
4 Regular interest is calculated daily at the current rate on each day’s full closing balance and paid on the last business day of the month. Your entire account balance earns the rate applicable to the tier your daily closing balance falls within. This interest cannot be withdrawn and will not be printed at branch terminals or bank machines or made available through CIBC Telephone or Online Banking, until the second business day of the following month. Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice. If you have any questions about our interest rates, call 1-800-465-2422 Opens your phone app., or visit a CIBC Banking Centre Opens in a new window..
5 Smart Interest is an interest reward earned on the total account balance in your CIBC eAdvantage® Savings Account(s), up to a maximum aggregate balance limit of $200,000 (“Smart Balance Maximum”), each month in which you save at least $200 (excluding interest earned) across all your account(s) with the same account holders (“Smart Balance Growth”). Smart Interest is calculated daily at the current Smart Interest rate on each day’s full closing balance (up to the Smart Balance Maximum) and paid between the first 5 to 7 business days of the following month. Smart Interest rate quoted is an annual rate. Smart Interest, the Smart Balance Maximum and the Smart Balance Growth amount may change at any time without prior notice. Other conditions apply. Review the full terms and conditions available at cibc.com/smartsavings.
6 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
7 Cash advances do not earn cash back. Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.
8 Total value of up to $700 is calculated as follows: $11.99 for an SPC+ Membership + $203.40 fee waiver for unlimited transactions using a CIBC Smart™ Account + $200 in annual administrative fee waivers for a non-registered and a RRSP account at CIBC Investor’s Edge + assumes you make a Global Money Transfer of $25,000 or more for $300 back = Total Value of up to $715.39 per client.
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