CIBC Accounts

CIBC

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

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

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

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

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

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

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

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

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

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

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

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

CIBC TFSA Tax Advantage Savings Account®

Canada-wide CAD Savings Account

0.25%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees

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

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

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

CIBC TFSA Tax Advantage Savings Account®

Canada-wide CAD Savings Account

0.25%

Interest Rate

$0.00

Monthly Fee

CDIC Insured No Monthly Fees

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

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

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

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

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

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

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

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

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

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

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