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Find the best bank account for you
Chequing account
CIBC Smart™ Account
Get $500ⓘ cash. Conditions apply.
Banking that rewards every stage of life.
- Three account tiers with features and benefits that unlock automatically as your eligible balances grow
- Opportunities for annual fee rebates on an activeⓘ eligibleⓘ credit card
- Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ
$16.95 or $0 monthly fee for up to 3 accountsⓘ, ⓘ
Get a monthly fee rebate with an end-of-day account balance of $4,000 each day of that month in one CIBC Smart Accountⓘ, ⓘ
Savings account
CIBC eAdvantage® Savings Account
Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%ⓘ interest for 3 months. Limits apply.
Save without the effort.
- Regular interestⓘ on every dollar
- Smart Interest when you save $200 or more in a month, limits applyⓘ
- Automatic transfers with AutoSave
$0 monthly fee
Chequing offer — over 25
CIBC Smart™ for Students
Get $175ⓘ cash and 12 monthsⓘ of Skip+ for free. Conditions apply.
Unlimited everyday banking for full-time students graduating at age 25 and up.
- No monthly fee while you’re in schoolⓘ
- Unlimited transactionsⓘ, ⓘ
- Deals and discounts just for students
$0 monthly feeⓘ
Chequing account
CIBC Smart™ Account for Apprentices
No monthly fee for 24 months.ⓘ
Take advantage of perks for eligible skilled trades apprentices.
- Unlimited transactionsⓘ, ⓘ
- Partner perks and discounts
- Three account tiers with features and benefits that unlock automatically as your eligible balances grow
$0 monthly fee for 24 monthsⓘ
Savings account
CIBC eAdvantage® Savings Account
Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%ⓘ interest for 3 months. Limits apply.
Save without the effort.
- Regular interestⓘ on every dollar
- Smart Interest when you save $200 or more in a month, limits applyⓘ
- Automatic transfers with AutoSave
$0 monthly fee
Chequing account
CIBC Smart™ Account for Newcomers
Pay no monthly fee for 2 years.ⓘ Plus, get $500ⓘ cash. Conditions apply.
Start banking in Canada with the account designed for your new life.
- Unlimited transactionsⓘ, including Interac e-Transfer transactionsⓘ
- Send money internationally with CIBC Global Money Transfer™, ⓘ
- Three account tiers with features and benefits that unlock automatically as your eligible balances grow
$0 monthly fee for 2 yearsⓘ
Chequing account
CIBC Smart™ Account for Foreign Workers
Pay no monthly fee for 2 years.ⓘ Plus, get $500ⓘ cash. Conditions apply.
Live and bank in Canada with confidence. Get started in a few easy steps.
- Unlimited transactionsⓘ, including Interac e-Transfer transactionsⓘ
- Send money internationally with CIBC Global Money Transfer™, ⓘ
- Three account tiers with features and benefits that unlock automatically as your eligible balances grow
$0 monthly fee for 2 yearsⓘ
Savings account
CIBC eAdvantage® Savings Account
Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%ⓘ interest for 3 months. Limits apply.
Save without the effort.
- Regular interestⓘ on every dollar
- Smart Interest when you save $200 or more in a month, limits applyⓘ
- Automatic transfers with AutoSave
$0 monthly fee
Chequing account
CIBC Smart™ Account
Get $500ⓘ cash. Conditions apply.
Over 65? Get extra perks with CIBC Smart™ for Seniors.
- No monthly account feeⓘ
- Unlimited transactionsⓘ, including Interac e-Transfer transactionsⓘ
- Three account tiers with features and benefits that unlock automatically as your eligible balances grow
$0 monthly feeⓘ
Chequing account
CIBC Everyday® Chequing Account
A basic account with no monthly feeⓘ for seniors over 65.
- 18 transactionsⓘ, ⓘ included monthly, $1.25 for each transaction over 18
- No fee for using Interac e-Transferⓘ, included in monthly fee
- Our low-cost account commitment to Canadian consumers
$0 monthly feeⓘ
Savings account
CIBC eAdvantage® Savings Account
Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%ⓘ interest for 3 months. Limits apply.
Get rewarded as you grow your savings.
- Regular interestⓘ on every dollar
- Smart Interest when you save $200 or more in a month, limits applyⓘ
- Automatic transfers with AutoSave
$0 monthly fee
Savings account
CIBC US$ Personal Account
Ideal for people who want to save and earn interest on U.S. funds.
- No monthly fee
- Regular interest on every dollar savedⓘ
- No currency conversion for depositing and withdrawing U.S. funds
$0 monthly fee
Looking for something different?
Are you an RDSP beneficiary?
You may be eligible for a monthly fee rebate on your CIBC Smart Account. Learn more about the Registered Disability Savings Plan..
Get more for your money
Bank your way
Manage your accounts with CIBC Mobile Banking® and CIBC Online Banking® and find CIBC Banking Centres and ATMs across Canada.
Get digital access within minutesⓘ
Apply online and access your bank account instantly. You can also add your debit card to your mobile wallet and start shopping on the first day.
Enjoy expert support
Get the most from your accounts with our specialized tips and guidance. We can help steer your finances in the right direction.
Save everyday with rewards and discounts
Save up to 10 cents per litre on gas with Journie
Link and use your CIBC card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron locations.
Unlock the best of student life with SPC+
Students can save on everyday purchases with a free SPC+ membership.ⓘ
Get 30 days of free Koodo service as a newcomerⓘ
Plus, receive exclusive offers when you sign up with Koodo during your 30-day free trial.
Help and advice
Find the support you need
Discover answers to frequently asked questions or find the right number so we can support you.
Learn how to manage your banking
We have how-to guides for you. Check out what you can do on your computer, phone or tablet.
Understand how to save on account fees
Learn tips to ensure you find the right account, including options to help you reduce your everyday banking fees.
Resources
Your bank account questions answered
Commitment on low-cost and no-cost accounts
We’re committed to providing access to modern basic banking services for certain groups at low cost or no cost. Our low cost account is the CIBC Everyday Chequing Account. We offer fee rebates on the CIBC Smart Account for the following groups: seniorsⓘ, youth and students under 25ⓘ, students age 25 and upⓘ, newcomersⓘ, foreign workersⓘ, RDSP beneficiaries and recipients of the Disability Tax Credit. Applies to all CIBC Smart Accounts, no minimum balance required.
