Chequing Account CAD CDIC Insured
CIBC

CIBC Smart® for Seniors

Over 65? Get extra perks with unlimited transactions and three account tiers that unlock automatically as your eligible balances grow.

Interest rate Not listed
Monthly fee No monthly fee
Transactions Unlimited
Minimum deposit $0
CURRENT OFFERS

Promotions and account value

Offer summary

Bundle to earn up to $950.

Welcome offer $500 value

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

EARNINGS

Rates and interest details

A specific interest rate is not currently listed for this product.

COSTS

Fees and account limits

Monthly feeNo monthly fee
Fee-waiver balanceNot listed
Minimum deposit$0
Maximum depositNot listed
Included transactionsUnlimited
Bundled productNot specified
ACCOUNT EXPERIENCE

Features and benefits

Free Interac e-Transfers

Unlimited Free Interac e-Transfers.

Unlimited Transactions

Unlimited transactions.

Online and Mobile Banking

Includes CIBC Online and Mobile Banking.

CDIC Insured

Eligible for CDIC Insurance.

WHO CAN APPLY

Eligibility and access

Minimum age65+
AvailabilityAvailable nationally
Mobile appYes
Online bankingYes
Branch accessNot specified

CDIC Insured: Eligible for CDIC Insurance.

Seniors
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.

Product information last reviewed or updated Mar 12, 2026.