Compare bank accounts

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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）

Compare Bank Accounts

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

Compare bank accounts

Choose up to 3 chequing accounts or up to 3 savings accounts to compare. Learn about their features, fees and details to find the right fit for you.

Compare now（https://www.cibc.com/en/personal-banking/bank-accounts/compare-results.html） Clear selection

Starting January 1, 2027, we’re updating the CIBC Smart Account and account fees. Learn more about upcoming changes to the CIBC Smart Account and fees.（https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts/smart-account/upcoming-account-changes.html）

Compare chequing accounts

Tiered banking

CIBC Smart™ Account

Banking that rewards every stage of life.

Three account tiers with features and benefits that unlock automatically

Opportunities for annual fee rebates on an active ⓘ eligible ⓘ credit card

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

$16.95 (Effective January 1, 2027: $17.95) or $0 monthly fee for up to 3 accounts ⓘ, ⓘ

Get a monthly fee rebate with an end-of-day account balance of $4,000 each day of that month in one CIBC Smart Account ⓘ, ⓘ

Open an account for a CIBC Smart Account. Opens in a dialog.（https://www.cibconline.cibc.com/ebm-resources/public/digital-cart/product-selector/client/index.html#/product-selector?chequingProductCode=UCA&chequingProductType=CHQ&locale=en）

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

Basic account

CIBC Everyday® Chequing Account

A basic account with a low monthly fee.

18 transactions ⓘ, ⓘ included monthly, $1.25 for each transaction over 18

No fee for using Interac e-Transfer ⓘ , included in monthly fee

Our low-cost account commitment to Canadian consumers

$4.00 monthly fee

Open an account for a CIBC Everyday Chequing Account. Opens a new window.（https://www.cibconline.cibc.com/ebm-resources/public/digital-cart/deposit-account/client/index.html#/before-begin?productCode=ECA&productType=CHQ&locale=en）

Learn more about the CIBC Everyday Chequing Account.（https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts/everyday-chequing-account.html）

Tiered banking

CIBC Smart™ Account with CIBC Smart™ Start

Get unlimited everyday banking.

No monthly fee until age 25 ⓘ

Unlimited transactions ⓘ, ⓘ

Deals and discounts just for students

$0 monthly fee ⓘ

Open an account for CIBC Smart Start. Opens a new window.（https://www.cibconline.cibc.com/ebm-resources/public/digital-cart/smart-youth/client/index.html#/before-begin?y=n&smartYASA=y&productCode=UCAStart&locale=en&productType=CHQ&ageIndicator=Youth）

Learn more about CIBC Smart Start.（https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts/smart-start.html）

Tiered banking

CIBC Smart™ Account with CIBC Smart™ for Students

Unlimited everyday banking for full-time students graduating at age 25 and up.

No monthly fee while you’re in school ⓘ

Unlimited transactions ⓘ, ⓘ

Deals and discounts just for students

$0 monthly fee ⓘ

Open an account for CIBC Smart for Students. Opens in a dialog.（https://www.cibc.com/en/personal-banking/int/smart-for-students-bundle-offer.html）

Learn more about CIBC Smart for Students.（https://www.cibc.com/en/student/bank-accounts.html）

Tiered banking

CIBC Smart™ Account for Apprentices

Take advantage of perks for eligible skilled trades apprentices.

Unlimited transactions ⓘ, ⓘ

Partner perks and discounts

Three account tiers with features and benefits that unlock automatically

$0 monthly fee for 24 months ⓘ

Open an account for a CIBC Smart Account for Apprentices. Opens a new window.（https://www.cibconline.cibc.com/ebm-resources/public/digital-cart/deposit-account/client/index.html#/before-begin?productCode=SmartAccountApprentice&productType=CHQ&locale=en）

Learn more about the CIBC Smart Account for Apprentices.（https://www.cibc.com/en/personal-banking/bank-accounts/skilled-trades/smart-account-apprentices.html）

Tiered banking

CIBC Smart™ Account for Newcomers

Start banking in Canada with the account designed for your new life.

Unlimited transactions ⓘ , including Interac e-Transfer transactions ⓘ

Send money internationally with CIBC Global Money Transfer™ , ⓘ

Three account tiers with features and benefits that unlock automatically

$0 monthly fee for 2 years ⓘ

Open an account for a CIBC Smart Account for Newcomers. Opens in a dialog.（https://www.cibc.com/en/personal-banking/int/smart-for-newcomers-esa-offer.html）

Learn more about the CIBC Smart Account for Newcomers.（https://www.cibc.com/en/journeys/banking-offers-for-newcomers/smart-account-for-newcomers.html）

Tiered banking

CIBC Smart™ Account for Foreign Workers

Live and bank in Canada with confidence. Get started in a few easy steps.

Unlimited transactions ⓘ , including Interac e-Transfer transactions ⓘ

Send money internationally with CIBC Global Money Transfer™ , ⓘ

Three account tiers with features and benefits that unlock automatically

$0 monthly fee for 2 years ⓘ

Open an account for a CIBC Smart Account for Foreign Workers. Opens in a dialog.（https://www.cibc.com/en/personal-banking/int/smart-for-newcomers-esa-offer.html）

Learn more about the CIBC Smart Account for Foreign Workers.（https://www.cibc.com/en/journeys/banking-offers-for-newcomers/banking-for-foreign-workers.html）

TIERED BANKING

CIBC Smart™ for Seniors with a CIBC Smart™ Account

Over 65? Get extra perks with CIBC Smart for Seniors.

No monthly account fee ⓘ

Unlimited transactions ⓘ , including Interac e-Transfer transactions ⓘ

Three account tiers with features and benefits that unlock automatically

$0 monthly fee ⓘ

Open an account for a CIBC Smart Account with the Smart for Seniors benefit. Opens in a dialog.（https://www.cibc.com/en/personal-banking/int/smart-for-seniors-esa-offer.html）

Learn more about the CIBC Smart Account with the Smart for Seniors benefit.（https://www.cibc.com/en/personal-banking/bank-accounts/senior-banking-offers.html#spending）

Basic account

CIBC Smart™ for Seniors with a CIBC Everyday® Chequing Account

A basic account with no monthly fee ⓘ for seniors over 65.

18 transactions ⓘ , ⓘ included monthly, $1.25 for each transaction over 18

No fee for using Interac e-Transfer ⓘ , included in monthly fee

Our low-cost account commitment to Canadian consumers

$0 monthly fee ⓘ

Meet with us to open a CIBC Everyday Chequing Account with the Smart for Seniors benefit. Opens a new window.（https://www.cibconline.cibc.com/ebm-resources/public/auth-app-meetings/client/index.html#/client-guest?spId=SF&subSiteId=book&brand=cibc&channel=web&locale=en&entryPoint=cibcdotcom）

Learn more about the CIBC Everyday Chequing Account. Skips to the for spending tab on the banking for seniors page.（https://www.cibc.com/en/personal-banking/bank-accounts/senior-banking-offers.html#spending）

Compare savings accounts

High interest savings

CIBC eAdvantage® Savings Account

Save without the effort.

Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)% ⓘ interest for 3 months when you open your first account, limits apply

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