Offer summary
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Chequing Account
CAD
CDIC Insured
CIBC
CIBC Smart® Account
Banking that rewards every stage of life. Includes three account tiers with features and benefits that unlock automatically as your eligible balances grow.
Rate up to
0%
Monthly fee
$16.95/mo
Transactions
Unlimited
Minimum deposit
$0
CURRENT OFFERS
Promotions and account value
EARNINGS
Rates and interest details
A specific interest rate is not currently listed for this product.
Balance-tier schedule
| Balance | Standard rate | Boosted rate | Condition |
|---|---|---|---|
| $0 – $39,999.99 | 0% | — | Tier 1: $16.95 fee (waived with $4k daily balance). Includes 1 non-CIBC ATM withdrawal rebate per month. |
| $40,000 – $99,999.99 | 0% | — | Tier 2: $0 monthly fee, up to $50 credit card annual fee rebate, and unlimited Global non-CIBC ATM fee rebates. |
| $100,000+ | 0% | — | Tier 3: $0 monthly fee, up to $139 credit card annual fee rebate, free Overdraft Protection, and free stop payments. |
COSTS
Fees and account limits
Monthly fee$16.95/mo
Fee-waiver balance$4,000
Minimum deposit$0
Maximum depositNot listed
Included transactionsUnlimited
Bundled productYes
ACCOUNT EXPERIENCE
Features and benefits
Free Interac e-Transfers
Unlimited Free Interac e-Transfers.
Unlimited Transactions
Unlimited transactions.
Access to No-Fee ATM Network
Non-CIBC ATM fee rebates (1 per month in Tier 1, Unlimited Global in Tier 2).
Online and Mobile Banking
Includes CIBC Online and Mobile Banking.
Overdraft Protection Available
Overdraft Protection available (Monthly fixed fee rebated in Tier 3).
CDIC Insured
Eligible for CDIC Insurance.
WHO CAN APPLY
Eligibility and access
Minimum ageNot specified
AvailabilityAvailable nationally
Mobile appYes
Online bankingYes
Branch accessNot specified
CDIC Insured: Eligible for CDIC Insurance.
COVERAGE
Registration, networks and availability
Registration options
- NONREGNon-Registered
IMPORTANT INFORMATION
Terms and disclosures
Rates, fees, eligibility requirements and promotional terms can change. Confirm all current details directly with CIBC before opening the account.