CIBC Accounts

CIBC

CIBC Smart® Account

Canada-wide CAD Chequing Account

Interest rate (tiered) Up to 0.00% Rate varies based on balance.

Monthly fee $16.95

Welcome bonus 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.

CIBC

CIBC Smart™ Start

Canada-wide CAD Chequing Account

Interest rate 0.00%

Monthly fee $0.00

Welcome bonus 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.

CIBC

CIBC Smart™ for Students

Canada-wide CAD Chequing Account

Interest rate 0.00%

Monthly fee $0.00

Welcome bonus 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.

CIBC

CIBC Smart™ Account for Apprentices

Canada-wide CAD Chequing Account

Interest rate 0.00%

Monthly fee $0.00

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

CIBC

CIBC Smart® Account for Newcomers

Canada-wide CAD Chequing Account

Interest rate 0.00%

Monthly fee $0.00

Welcome bonus 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.

CIBC

CIBC Smart® Account for Foreign Workers

Canada-wide CAD Chequing Account

Interest rate 0.00%

Monthly fee $0.00

Welcome bonus 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.

CIBC

CIBC Smart® for Seniors

Canada-wide CAD Chequing Account

Interest rate 0.00%

Monthly fee $0.00

Welcome bonus 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.

CIBC

CIBC Everyday® Chequing Account

Canada-wide CAD Chequing Account

Interest rate 0.00%

Monthly fee $4.00

Special offer Monthly fee fully waived for Seniors 65+.

CIBC

CIBC Bank USA Smart Account™

Canada-wide USD Chequing Account

Interest rate 0.00%

Monthly fee $0.00

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

CIBC

CIBC eAdvantage® Savings Account

Canada-wide CAD Savings Account

Interest rate (tiered) Up to 0.30% Rate varies based on balance.

Monthly fee $0.00

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

CIBC

CIBC US$ Personal Account

Canada-wide USD Savings Account

Interest rate 0.05%

Monthly fee $0.00

CIBC

CIBC TFSA Tax Advantage Savings Account®

Canada-wide CAD Savings Account

Interest rate 0.25%

Monthly fee $0.00

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

CIBC

CIBC RRSP Daily Interest Savings Account

Canada-wide CAD Savings Account

Interest rate 0.05%

Monthly fee $0.00

CIBC

CIBC Savings (FHSA)

Canada-wide CAD Savings Account

Interest rate 2.00%

Monthly fee $0.00

CIBC

CIBC TFSA Tax Advantage Savings Account®

Canada-wide CAD Savings Account

Interest rate 0.25%

Monthly fee $0.00

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

CIBC

CIBC Savings (FHSA)

Canada-wide CAD Savings Account

Interest rate 2.00%

Monthly fee $0.00

CIBC

CIBC RRSP Daily Interest Savings Account

Canada-wide CAD Savings Account

Interest rate 0.05%

Monthly fee $0.00

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

CIBC Basic Business Operating Account®

Canada-wide CAD Business Chequing Account

Interest rate 0.00%

Monthly fee $6.00

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

CIBC

CIBC Unlimited Business Operating Account®

Canada-wide CAD Business Chequing Account

Interest rate 0.00%

Monthly fee $65.00

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

CIBC

CIBC Advanced Business Operating Account™

Canada-wide CAD Business Chequing Account

Interest rate 0.00%

Monthly fee $40.00

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

CIBC

CIBC Everyday Business Operating Account®

Canada-wide CAD Business Chequing Account

Interest rate 0.00%

Monthly fee $20.00

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

CIBC

CIBC U.S. Dollar Current Account

Canada-wide USD Business Chequing Account

Interest rate 0.00%

Monthly fee $8.00

CIBC

CIBC Not-for-Profit Operating Account

Canada-wide CAD Business Chequing Account

Interest rate 0.00%

Monthly fee $4.00

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

CIBC

CIBC Business Investment Growth Account®

Canada-wide CAD Business Savings Account

Interest rate (tiered) Up to 1.50% Rate varies based on balance.

Monthly fee $0.00

CIBC

CIBC AgriInvest Account

Canada-wide CAD Business Savings Account

Interest rate 0.00%

Monthly fee $0.00

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