Chequing Account CAD CDIC Insured
CIBC

CIBC Smart™ Start

Get unlimited everyday banking with no monthly fee until age 25. Includes deals and discounts just for students.

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

Promotions and account value

Offer summary

Get $125 cash and 12 months of Skip+ for free. Plus a free SPC+ membership.

Welcome offer $125 value

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

Additional promotion

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

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 age14+
AvailabilityAvailable nationally
Mobile appYes
Online bankingYes
Branch accessNot specified

CDIC Insured: Eligible for CDIC Insurance.

Students Youth
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.