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cross-border U.S. banking made easier

Need a more convenient way to

bank in the U.S.?

If you’re a snowbird or frequent traveller who lives, travels, shops or does business in the U.S., we offer flexible cross-border banking solutions that help you bank across the border with confidence.

A bridge crossing over to the United States

Explore 3 ways to bank across the border

CIBC Bank USA Smart Account^TM

Ideal for frequent travellers who live and do business in the U.S. and want to transfer U.S. funds with real-time convenience and control.¹

Skip the currency conversion fees¹⁰

Pay U.S. bills, deposit and withdraw U.S. funds without worrying about conversion rates.

Access your cash

Withdraw funds at ATMs in the U.S., including CIBC Bank USA ATMs.

Move your money to the U.S. with ease

Use CIBC Online and Mobile Banking^® to conveniently transfer funds in real time between your CIBC Canadian bank accounts and your CIBC Bank USA Smart Account.

Learn more

**CIBC U.S. Dollar Aventura^® Gold Visa* Card**

Ideal for those who shop a little or shop a lot in U.S. dollars. Skip the currency conversion fees and earn rewards on everyday U.S. purchases.^{2, 10}

Get 1 Aventura^® Point for every $2 you spend and earn up to 2,500 Aventura Points^{3, 4}

Transfer your points between your CIBC U.S. Dollar Aventura Gold Visa Card and other Aventura personal and business products⁵

Save on car rentals with Auto Rental Collision and Loss Damage Insurance⁶

BUNDLE OFFER

Enjoy an annual fee rebate on your CIBC U.S. Dollar Aventura® Gold Visa* Card^◊

You qualify for the offer if you have a CIBC US$ Personal Account or a CIBC Bank USA Smart Account, and a premium CIBC personal credit card.

APR: 19.99% (purchases), 22.99%¹¹ (cash) | Annual fee: $35 US

Learn more

CIBC US$ Personal Account

Ideal for those who receive U.S. funds, travel across the border and simply want to save in U.S. dollars.

Withdraw U.S. dollars from any CIBC Banking Centre or CIBC U.S. currency ATM without currency fluctuation

Transfer funds in real time to other CIBC accounts through online banking

Earn interest on every dollar saved⁷

BUNDLE OFFER

Get bonus interest on your savings^◊◊

If you have both the CIBC US$ Personal Account and the CIBC Bank USA Smart Account, you’ll get an additional 0.50% interest on your CIBC US$ Personal Account.

Learn more

Get protection when you cross the border

CIBC Travel Insurance

Help protect yourself from the unexpected. Choose from single-trip and multi-trip plans or family coverage. Depending on the coverage you choose, CIBC Travel Insurance⁸ may help cover your costs in the event:

You have an unexpected medical emergency
You must cancel your trip or return home unplanned
Your baggage is lost or stolen while you’re travelling⁹

Learn more

Get custom travel advice. Learn more about our U.S. travel products, services and tips.

Frequently asked questions about the CIBC Bank USA Smart Account

Questions?

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^◊The annual fee on your CIBC U.S. Dollar Aventura^® Gold Visa* Card will be rebated if, at the time your annual fee is charged, your CIBC U.S. Dollar Aventura Gold Visa account is in good standing and you hold an eligible CIBC premium personal credit card and either the CIBC US$ Personal Account or the CIBC Bank USA Smart Account (offered by CIBC Bank USA), in good standing. Eligible CIBC premium personal credit cards include any CIBC credit card with an annual fee for the primary cardholder of $99 or more.

If you qualify, the annual fee rebate will appear as a credit on your statement.

This offer is not transferable and cannot be combined with any other offer.

This offer may be withdrawn or changed without notice at any time. CIBC may, in its sole discretion, revoke this offer if you are believed to be manipulating or abusing it, or engaging in any suspicious or fraudulent activity.

If you believe you have met all of the conditions of the offer but don’t see the rebate on the same statement as your annual fee is charged, please contact us.

The CIBC U.S. Dollar Aventura^® Gold Visa* Card can only be paid using the CIBC US$ Personal Account or any other eligible CIBC Canadian dollar deposit account. It cannot be paid using funds from the CIBC Bank USA Smart Account.

^◊◊ The Premium Interest Rate Offer (the “Offer”) provides CIBC clients who hold both the CIBC US$ Personal Account and the CIBC Bank USA Smart^TM Account offered by CIBC Bank USA bonus interest on their CIBC US$ Personal Account. The Offer starts on September 6, 2018. Read full offer details (PDF, 110 KB) Opens a new window in your browser. For eligibility requirements and other terms for the CIBC Bank USA Smart Account, review the account details on the CIBC Bank USA websiteOpens a new window in your browser. Interest rates are annual and may change at any time without prior notice. Interest is calculated daily on each day’s closing balance and paid monthly.

¹The CIBC Bank USA Smart Account is offered by CIBC Bank USA a U.S. bank. CIBC Bank USA is a wholly-owned subsidiary of CIBC. Deposits at CIBC Bank USA are insured up to the applicable limits by the Federal Deposit Insurance Corporation (FDIC).

The CIBC Bank USA Smart Account and all CIBC Bank USA products and services are offered in English only.

The CIBC Bank USA Smart Account is available to CIBC clients with an eligible CIBC (Canada) deposit account or Personal Line of Credit (PLC) who are Canadian or U.S. residents and are over 18 years of age.

The CIBC Bank USA Smart Account is a non-interest-bearing chequing account. All CIBC Bank USA accounts are held in U.S. dollars.

The CIBC US$ Personal Account is an interest-bearing savings account offered by CIBC. Funds held in the US$ Personal Account are not insured by the Canadian Deposit Insurance Corporation (CDIC) or FDIC.

For the CIBC US$ Personal Account all holdings and transactions are in U.S. dollars only.

CIBC Online Banking is a service offered by CIBC in English and French.

Fees may apply to debit card transactions at ATMs not owned by CIBC or CIBC Bank USA.

² Any purchases made outside the U.S. are also posted to your account and appear on your statement in U.S. dollars. Currency exchange fees will apply to any purchases that are not in USD.

ATMs must be on the MasterCard, Cirrus, STAR, NYCE and Maestro networks. CIBC Bank USA will not charge you a fee for using other banks’ ATMs. However, you may still incur additional fees from these ATM providers.

³Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.

⁴Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card are excluded. Offer is for the primary cardholder, is non-transferable and may not be combined or used in conjunction with any other offer. Offer may be revoked if you appear to be manipulating or abusing it, or if you are engaged in any suspicious or fraudulent activity, as determined by CIBC at its sole discretion. Offer may be withdrawn or changed without notice at any time. Card account must be open and in good standing at the time the Aventura Points are awarded.

⁵CIBC Rewards Program clients may “transfer,” which means move, the Aventura Points earned from eligible Aventura credit card accounts, where they are the primary cardholders. Transferring points can be done between Aventura credit cards through cibcrewards.com or the CIBC Rewards Centre at 1-888-232-5656. Authorized Users and Delegates cannot perform points transfer transactions, but will be able to view any points transfer activity on the Primary’s account in their account history. Points entered must be positive and within the minimum of one and the maximum of total points available in the account at time of performing points transfers. The credit card accounts that you wish to transfer points between must be in good standing.

⁶ Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, visit Agreements and Insurance and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchases, auto rentals, common carrier fares, hotel/motel and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days for rental vehicles with a MSRP up to $65,000. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, Continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.

⁷ Transaction fees still apply; US$0.75 per transaction (all fees for this account are levied in U.S. funds).

⁸ CIBC Travel Insurance is Underwritten by Co-operators Life Insurance Company and The Sovereign General Insurance Company and administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc.

⁹ CIBC Travel Insurance is subject to eligibility conditions, limitations and exclusions (including pre-existing medical condition exclusions), which are contained in the certificate of insurance you received following enrollment.

¹⁰ CIBC foreign exchange rates apply if you make non-USD payments on your credit card account. Transactions (debits and credits) not in the currency of your card are converted into the currency of your card no later than the transaction posting date at an exchange rate that is 2.5% over the rate CIBC must pay.

¹¹ Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.

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cross-border U.S. banking made easier

Need a more convenient way to

bank in the U.S.?