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Chequing Accounts

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Limited time offer Enjoy a year of Amazon Prime® on us^† when you open a Smart Account. Learn about this offer.

Pay bills, send money, pay for purchases — it's all easy with a CIBC chequing account

Bank your way

We offer the access you expect with top-ranked online and mobile banking, plus nearly 4,000 ATMs across Canada.

Pay with your phone

Use your Apple^®, Google or Samsung^® smartphone to pay on the go.

Add overdraft protection

Stop worrying about occasional cash shortfalls.

Set up direct deposits

It’s fast and easy to get your payroll or other deposits directly into your account.

Check out our special offers: Youth Students Seniors Newcomers Foreign workers

Check out our special offers:

Choose from 3 great accounts

Basic

CIBC Everyday^® Chequing Account

Includes

Free paperless record keeping¹
Tap-and-go payment using Android Pay™, Samsung Pay® and Apple Pay^®

Transactions²12

Monthly fee
$3.90
Plus $1.25 for each additional transaction

Daily balance to avoid monthly fee
Not applicable

Apply now

Learn more

Flexible

CIBC Smart™ Account

Limited time offer

Enjoy a year of Amazon Prime on us^† when you open an account. Hurry, this offer ends on December 28.

Includes

Free Interac e-Transfer® transactions³
Option for unlimited transactions⁴

Transactions²
12 to unlimited

Monthly fee
$4.95 to $14.95

Daily balance to avoid monthly fee⁵
$3,000
Plus, make a recurring direct deposit or 2 pre-authorized payments each month

Apply now

Learn more

Bundle

CIBC PremierService^®
Account

Includes

No annual fee on select CIBC premium credit cards
Unlimited transactions², including Interac e-Transfer® service
Unlimited cash withdrawals from non-CIBC ATMs in Canada

Transactions²
Unlimited

Monthly fee
$28.95

Daily balance to avoid monthly fee
Not applicable

Apply for this account at a CIBC Banking Centre.

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Our clients come first

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Let us help you transfer your accounts, pre-authorized payments and deposits. It's easy to join CIBC.

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Save on bank account fees

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Help and advice

Lost, stolen or damaged cards

1-800-663-4575
(Canada and U.S.)

514-861-9898
(Elsewhere)

Report fraud

1-800-465-2422
(Canada and U.S.)

902-420-2422
(Elsewhere)

Learn how to make your banking safer

Resources

Additional service fees

Find my documents

Personal Account Service Fees (PDF, 535 KB)

CIBC Personal Deposit Account Terms and Conditions (PDF, 615 KB)

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How to

Pay with your phone

Check out and go with Android Pay™, Samsung Pay^®and Apple Pay^®. Just load your CIBC cards and you're ready to go.

Learn more

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How to

Register for CIBC Mobile and Online Banking

Learn more

How to

Send money with Interac e-Transfer®

It's easy and secure to send cash and request money from others. Register for Autodeposit and skip answering security questions.

Learn more

Questions?

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^† Offer begins on October 1, 2018 at 12:01 am (ET) and ends on December 28, 2018 at 11:59 pm (ET). Offer only open to Canadian residents (i) who have reached the age of majority; (ii) who are not holders or joint holders of a CIBC chequing account and; (iii) who have not previously received a CIBC chequing account promotional offer from 2015 to present time.

To qualify, open a CIBC Smart™ Account online and provide a valid email address. Next, within 3 calendar months, you must set up and complete within the CIBC Smart Account at least one (1) eligible recurring direct deposit OR at least two (2) different eligible recurring pre-authorized debits within the same calendar month.

Offer can be combined with other CIBC offers that consist of an Amazon Prime Code. Offer cannot be combined with any other offer, reward or rebate except the CIBC Homeowner^® Banking Bundle or the CIBC Smart™ Account fee waiver. CIBC will send the Amazon Prime Code to the email address you provide within 12-16 weeks of your completion of the required transactions. Other conditions apply. For full offer details, visit a CIBC Banking Centre or review the terms and conditions (PDF, 50 KB).

Offer subject to change. Amazon Prime has a CAD$79/year value. Amazon is not a sponsor of this promotion. All Amazon ®, TM & © are IP of Amazon.com, Inc. or its affiliates.

¹ “Paperless” record keeping is a paper-free alternative to printed statements. This option enables clients to track account activity online or by phone or CIBC bank machine. Please note, no printed statements will be sent to clients selecting this option. Clients must review their account transactions through CIBC Online Banking, CIBC Mobile Banking, CIBC Telephone Banking or CIBC bank machines at least once every 30 days and examine all entries and balances at that time. If there are any errors, omissions or irregularities, clients must notify CIBC in writing within 60 days after the date on which the entry was, or should have been, posted to the account.

² A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking, CIBC Mobile Banking, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC PremierService Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account) and transactions in currency (including cheques written in currencies other than the account currency).

³ The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee.

⁴ Any free or unused transactions cannot be carried forward for use in subsequent months.

⁵ Entire monthly fee is waived if you maintain a minimum end of day balance of $3,000 each day and a recurring direct deposit or 2 pre-authorized payments each month in this account. For details, review the CIBC Smart Account fee waiver terms and conditions, part of the Personal account service fees (PDF, 535 KB).

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