CIBC Accounts

CIBC

CDIC Insured

CIBC Smart® Account

Canada-wide CAD Chequing Account

Up to

0.00%

Interest Rate (Tiered)

$16.95

Monthly Fee

CDIC Insured Unlimited Transactions Free Interac e-Transfers Overdraft Protection Available Access to No-Fee ATM Network

Features: Online and Mobile Banking

Earn a $500 Welcome Bonus

Get $500 cash when you open a CIBC Smart Account and set up a recurring direct deposit plus 2 pre-authorized debits or bill payments. Earn up to $950 total when bundled with a new CIBC Dividend Visa Infinite Card.

Special Offer

Save up to 10¢/L on gas with Journie Rewards and get a 12-month Skip+ free trial.

Welcome Bonus

Earn $500

When you open an account

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Smart™ Start

Canada-wide CAD Chequing Account

0.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured Unlimited Transactions Free Interac e-Transfers Online and Mobile Banking

Earn a $125 Welcome Bonus

Get $125 cash when you open your first chequing account and make 5 Visa Debit purchases online within 2 months.

Special Offer

Includes 12 months of Skip+ for free, a free SPC+ membership, and $50 for every friend you refer.

Welcome Bonus

Earn $125

When you open an account

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Smart™ for Students

Canada-wide CAD Chequing Account

0.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured Unlimited Transactions Free Interac e-Transfers Online and Mobile Banking

Earn a $125 Welcome Bonus

Get $125 cash when you open your first chequing account and make 5 Visa Debit purchases online within 2 months.

Special Offer

Includes 12 months of Skip+ for free, a free SPC+ membership, and $50 for every friend you refer.

Welcome Bonus

Earn $125

When you open an account

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Smart™ Account for Apprentices

Canada-wide CAD Chequing Account

0.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured Unlimited Transactions Free Interac e-Transfers Online and Mobile Banking

Special Offer

Get a free SPC+ membership and save up to 10¢/L on gas with Journie Rewards.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Smart® Account for Newcomers

Canada-wide CAD Chequing Account

0.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured Unlimited Transactions Free Interac e-Transfers International Money Transfers Online and Mobile Banking

Earn a $500 Welcome Bonus

Get $500 cash when you open a CIBC Smart Account and set up a recurring direct deposit plus 2 pre-authorized debits. Bundle to earn up to $600 with an eligible credit card.

Special Offer

Includes 30 days of free Canada-wide Koodo service and a 12-month Skip+ free trial.

Welcome Bonus

Earn $500

When you open an account

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Smart® Account for Foreign Workers

Canada-wide CAD Chequing Account

0.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured Unlimited Transactions Free Interac e-Transfers International Money Transfers Online and Mobile Banking

Earn a $500 Welcome Bonus

Get $500 cash when you open a CIBC Smart Account and set up a recurring direct deposit plus 2 pre-authorized debits. Bundle to earn up to $600 with an eligible credit card.

Special Offer

Send money to over 130 countries with $0 transfer fees via CIBC Global Money Transfer.

Welcome Bonus

Earn $500

When you open an account

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Smart® for Seniors

Canada-wide CAD Chequing Account

0.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured Unlimited Transactions Free Interac e-Transfers Online and Mobile Banking

Earn a $500 Welcome Bonus

Get $500 cash when you open a CIBC Smart Account and set up a recurring direct deposit plus 2 pre-authorized debits.

Welcome Bonus

Earn $500

When you open an account

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Everyday® Chequing Account

Canada-wide CAD Chequing Account

0.00%

Interest Rate

$4.00

Monthly Fee

CDIC Insured Free Interac e-Transfers Online and Mobile Banking

Special Offer

Monthly fee fully waived for Seniors 65+.

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On CIBC's secure site

CIBC

CDIC Insured

CIBC Bank USA Smart Account™

Canada-wide USD Chequing Account

0.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured Unlimited Transactions International Money Transfers Online and Mobile Banking US Dollar Account

Special Offer

No currency conversion fees for depositing and withdrawing U.S. funds at CIBC Banking Centres.

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On CIBC's secure site

CIBC

CDIC Insured

CIBC eAdvantage® Savings Account

Canada-wide CAD Savings Account

Up to

0.30%

Interest Rate (Tiered)

$0.00

Monthly Fee

CDIC Insured No Monthly Fees Online and Mobile Banking

Special Welcome Bonus

Earn a special interest rate of 4.60% (Regular + Bonus) on balances up to $1,000,000 for 90 days.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC US$ Personal Account

Canada-wide USD Savings Account

0.05%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees US Dollar Account

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC TFSA Tax Advantage Savings Account®

Canada-wide CAD Savings Account

0.25%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees

Special Welcome Bonus

Earn a combined annual interest rate of 4.00% on new deposits made between Jan 5, 2026 and Mar 31, 2026.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC RRSP Daily Interest Savings Account

Canada-wide CAD Savings Account

0.05%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Savings (FHSA)

Canada-wide CAD Savings Account

2.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC TFSA Tax Advantage Savings Account®

Canada-wide CAD Savings Account

0.25%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees

Special Welcome Bonus

Earn a combined annual interest rate of 4.00% on new deposits made between Jan 5, 2026 and Mar 31, 2026.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Savings (FHSA)

Canada-wide CAD Savings Account

2.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC RRSP Daily Interest Savings Account

Canada-wide CAD Savings Account

0.05%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Variable Rate GIC

Cashable Non-Registered

2.00%

Interest Rate

1 Year

Term Length

$1,000

Min Deposit

Highlights: CDIC Insured

Fixed Rate

Regular: 1.75%

Special:

2.00%

View Offer

Secure application on CIBC's site

CIBC

CDIC Insured

CIBC EasyBuilder GIC

Non-Redeemable Non-Registered

3.10%

Interest Rate

5 Years

Term Length

$2,500

Min Deposit

Highlights: CDIC Insured

Term Special

Maximized returns via laddered strategy

Fixed Rate

Regular: 2.75%

Special:

3.10%

View Offer

Secure application on CIBC's site

CIBC

CDIC Insured

CIBC Market Linked GICs

Non-Redeemable TFSA Eligible RRSP Eligible

0.00%

Interest Rate

3 Years

Term Length

$500

Min Deposit

Highlights: CDIC Insured

Fixed Rate

0.00%

View Offer

Secure application on CIBC's site

CIBC

CDIC Insured

CIBC Market Linked GICs

Non-Redeemable TFSA Eligible RRSP Eligible

0.00%

Interest Rate

5 Years

Term Length

$500

Min Deposit

Highlights: CDIC Insured

Fixed Rate

0.00%

View Offer

Secure application on CIBC's site

CIBC

CDIC Insured

CIBC Basic Business Operating Account®

Canada-wide CAD Business Chequing Account

0.00%

Interest Rate

$6.00

Monthly Fee

CDIC Insured International Money Transfers

Special Offer

Send up to $25,000 instantly across Canada with Interac e-Transfer for Business.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Unlimited Business Operating Account®

Canada-wide CAD Business Chequing Account

0.00%

Interest Rate

$65.00

Monthly Fee

CDIC Insured Free Interac e-Transfers International Money Transfers

Special Offer

Includes a deposit package of $15,000 cash, $1,000 coin, and 100 cheques.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Advanced Business Operating Account™

Canada-wide CAD Business Chequing Account

0.00%

Interest Rate

$40.00

Monthly Fee

CDIC Insured Free Interac e-Transfers International Money Transfers

Special Offer

Includes a deposit package of $5,000 cash, $500 coin, and 50 cheques.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Everyday Business Operating Account®

Canada-wide CAD Business Chequing Account

0.00%

Interest Rate

$20.00

Monthly Fee

CDIC Insured Free Interac e-Transfers International Money Transfers

Special Offer

Includes a deposit package of $3,000 cash, $300 coin, and 25 cheques.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC U.S. Dollar Current Account

Canada-wide USD Business Chequing Account

0.00%

Interest Rate

$8.00

Monthly Fee

CDIC Insured Online and Mobile Banking US Dollar Account

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Not-for-Profit Operating Account

Canada-wide CAD Business Chequing Account

0.00%

Interest Rate

$4.00

Monthly Fee

CDIC Insured Free Interac e-Transfers

Special Offer

Includes a deposit package of $5,000 cash, $500 coin, and 30 cheques. | Receive donations easily and securely with Global Payments.

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC Business Investment Growth Account®

Canada-wide CAD Business Savings Account

Up to

1.50%

Interest Rate (Tiered)

$0.00

Monthly Fee

CDIC Insured

Get Started

On CIBC's secure site

CIBC

CDIC Insured

CIBC AgriInvest Account

Canada-wide CAD Business Savings Account

0.00%

Interest Rate

$0.00

Monthly Fee

CDIC Insured

Special Offer

First annual deposit is matched by the Canadian government up to the maximum allowed amount.

Get Started

On CIBC's secure site