CIBC Smart® Start

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Locations

Locations. Opens in a new window.（https://locations.cibc.com/?utrc=A363:1）

Sign on to CIBC Online Banking.（https://www.cibconline.cibc.com/ebm-resources/public/auth-gateway/main/client/index.html?locale=en&auth_context=login）

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Locations. Opens in a new window.（https://locations.cibc.com/）

Sign on to CIBC Online Banking.（https://www.cibconline.cibc.com/ebm-resources/public/auth-gateway/main/client/index.html?locale=en&auth_context=login）

Personal（https://www.cibc.com/en/personal-banking.html）

Bank Accounts（https://www.cibc.com/en/personal-banking/bank-accounts.html）

Chequing（https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts.html）

A Bank Account for Youth Under 25

Chequing accounts（https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts.html）

CIBC Smart® Start

Under 25? Enjoy no-monthly fee everyday banking.

Get $125 Cash ⓘ and a free Skip+ membership ⓘ .

Learn more（https://www.cibc.com/en/special-offers/smart-start.html）

CIBC Smart Start at a glance

Get unlimited everyday banking until age 25 ⓘ with CIBC Smart Start

Whether you’re in school or just getting started, get set for the future with a no-monthly fee bank account.

$0 monthly fee ⓘ

Will you be 25 or older when you graduate? Continue to pay no monthly fee for as long as you study full time with CIBC Smart ™ for Students（https://www.cibc.com/en/student/bank-accounts.html）. ⓘ

More to love about CIBC Smart Start

Deals and discounts just for youth and students

Unlimited transactions ⓘ , including Interac e-Transfer® transactions ⓘ

Fee for one non-CIBC ATM withdrawal in Canada is rebated each month ⓘ , ⓘ , ⓘ

Rewards that grow with you

As you grow, so will your CIBC Smart Account. With tiered banking, you can unlock new features and benefits, even after you graduate. Discover everything you can unlock with your account.

Learn more about tiered banking（https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts/smart-account/tiered-banking.html）

Why you'll love the account that grows with you

We make it easy to get started, whether you're opening an account for yourself or for your child.

Students and youth 14 to 24

Parent of youth under 14

Enjoy unlimited everyday banking

Get free everyday banking and enjoy unlimited debit and Interac e-Transfer transactions ⓘ , ⓘ in Canada and no monthly fee until age 25. ⓘ

Do it all on your phone

Tap your phone to pay with Interac ® debit, Apple Pay ® or Google Pay ™ and access your account with the award-winning CIBC Mobile Banking ® App（https://www.cibc.com/en/personal-banking/ways-to-bank/mobile-services.html）.

Send money to friends and get paid faster

Split the bill with friends or send money across the country with free unlimited Interac e-Transfer transactions. ⓘ

How to qualify for this account

Eligibility:

Canadian residents: You're under the age of 25. You’ll need one piece of government-issued photo ID（https://www.cibc.com/en/apply/acceptable-identification.html）.

International students: You're under the age of 25. You'll qualify when you show us your proof of international student status.Learn about international student eligibility. Opens in a dialog.（https://www.cibc.com/content/experience-fragments/cibcpublic/default-content/personal/bank-accounts/international-student-eligibility/master.html）

How to open an account:

Teens (14 to 15): At a CIBC Banking Centre, with or without parental signing authority.

Teens (16 to the age of majority ⓘ ): Online or at a banking centre, with or without parental signing authority.

Young adults (age of majority ⓘ to 24): Online or at a banking centre.

Get set for school and beyond

Enjoy student deals and discounts

Students 14 and up save up to 30% on over 450 top brands when shopping online or in-store with a free SPC+ membership（https://www.cibc.com/en/student/spc.html）. ⓘ

Free Skip+ membership, exclusively with CIBC

Link your CIBC eligible credit or debit card and enjoy $0 delivery fees. ⓘ Plus, earn a $10 monthly voucher with your free Skip+ membership. ⓘ

Trade your way to the future you want

Enjoy free online North American stock and ETF trading for young adults 18 to 24 with CIBC Investor’s Edge Opens a new window.（https://www.investorsedge.cibc.com/en/special-offers/free-trading.html）. ⓘ There’s no minimum balance and you’ll pay no annual fees. ⓘ

Save up to 10 cents per litre on gas ⓘ

Hit the road for less and save on gas at participating locations ⓘ when you link and use your CIBC debit or credit card with Journie Rewards（https://www.cibc.com/en/special-offers/journie-gas-rewards.html）.

Refer friends and family to CIBC and get rewarded. Learn more about the referral offer.（https://www.cibc.com/en/special-offers/refer-a-friend.html）

Enjoy extra cash, rewards and all your banking essentials with the CIBC Best Student Life Bundle

New to CIBC? Bundle CIBC Smart Start with a credit card, savings account and more to save time and money. Canadian and international students can apply online with one easy application.

Learn more about the Best Student Life Bundle.（https://www.cibc.com/en/student/credit-card-bank-accounts-bundle.html）

You must have reached the age of majority in your province or territory to qualify.

Grow your child’s savings

They’ll save up faster with no monthly fee until age 25. Then their account will continue as a regular CIBC Smart Account.

Make allowances easier

Parents can easily set up recurring transfers to deposit their child’s allowance using mobile banking.

Access the account with a tap

Check your balance and get personalized financial tips using our award-winning mobile banking app（https://www.cibc.com/en/personal-banking/ways-to-bank/mobile-services.html）.

How to help your child qualify for this account

Eligibility:

You or your child must be a Canadian resident under age 25

You’ll need one piece of government-issued photo ID（https://www.cibc.com/en/apply/acceptable-identification.html）

How to open an account for your child:

Parents of youth (up to 11 years old): Online or at a banking centre

Parents of youth (12 to 13 years old): At a banking centre

Get your child started with all the free benefits of CIBC Smart Start

Spend and track with ease

With your consent, your child can sign on to our mobile app. It's easy and safe to check account balances, deposit cheques and transfer money with mobile banking.

Discover tips to help your child save up faster

Help your child save for the future with CIBC Insights（https://www.cibc.com/en/personal-banking/ways-to-bank/mobile-services/insights.html）. We show you where their money is going and provide personalized financial tips.

Get the account that grows with your child

Open the account as your child’s signing authority. Then as they grow into their teens, they can use the account independently, learning along the way while enjoying the benefits of unlimited everyday banking.

Refer a student or youth under 25 to CIBC and get rewarded. Learn more about the referral offer.（https://www.cibc.com/en/special-offers/refer-a-friend.html）

Students and youth 14 to 24

Enjoy unlimited everyday banking

Get free everyday banking and enjoy unlimited debit and Interac e-Transfer transactions ⓘ , ⓘ in Canada and no monthly fee until age 25. ⓘ

Do it all on your phone

Send money to friends and get paid faster

Split the bill with friends or send money across the country with free unlimited Interac e-Transfer transactions. ⓘ

How to qualify for this account

Eligibility:

Canadian residents: You're under the age of 25. You’ll need one piece of government-issued photo ID（https://www.cibc.com/en/apply/acceptable-identification.html）.

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