Banking for Students

Student contest: You could win $35,000 for tuition^◊◊. Learn moreabout the Full Ride student contest.

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Get more out of student life

From textbooks to tuition, education costs can add up. Let’s get you on the right track so you can spend — and save — wisely.

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Are you an international student studying in Canada? Check out our student banking offers.

Do more with your phone

Transfer money, pay bills and use your smartphone to pay for your everyday purchases.

Owe money to your study buddy? Pay them back, with no minimum transfer limit.

Find out how to get free unlimited Interac e-Transfer^® service

Pay your bills and your tuition from your phone.

Learn how to pay a bill on your mobile device

Forgot your wallet at your dorm? No problem. Use your smartphone to pay without carrying the plastic.

Explore other ways to pay

Set savings goals and stay on track with your digital dashboard

Whether you're saving for tuition, to buy a car or make an even bigger purchase later, we have tools to help you build and manage your finances.

Free credit score service
Powered by Borrowell⁷

You can get your credit score instantly using the CIBC Mobile Banking^® App — and your information stays safe and secure.

Learn moreLearn more about how to check your credit score for free.

Get the app

We received the highest overall score in Mobile Banking and Online Banking functionality and usability, among Canada's 5 largest retail banks.

Your security comes first.

It’s simple: if you’ve been a victim of fraud, and you’ve met all of your responsibilities, we promise to return 100% of the money you’ve lost from your CIBC accounts.

Learn more about privacy and security

Find your ATM near campus

We know you need cash on hand for sports club memberships, coffee and even nights out with friends. With CIBC’s network, your money is where you need it.

We’re easy to find, with nearly 4,000 ATMs and 1,100⁺ Banking Centres at your disposal.

Find an ATM near you

Looking for more information?

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TOOLS

Student budget calculator

Advice

CIBC scholarships

Advice

Student credit cards

Advice

All about stocks

TOOLS

Education line of credit calculator

Get started

Get a student credit card

Open a student bank accountOpen a student bank account. Opens a new window in your browser.

Apply for a student line of credit

Apply for a student prepaid Visa card

Meet with usMeet with us. Opens a new window in your browser.

Open an account with your phone using our app

It’s never too early to think about a career at CIBC

Explore year-round and summer jobs for students and graduates.

Explore careers

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We work hard and play harder

CIBC Live Labs is our innovation and digital technology centre in Toronto's MaRS Discovery District. We challenge ourselves to see the world through the eyes of the client, then build and test our way to success.

Join our team

Student Life Network Full Ride Contest

You could win $35,000^◊◊ for tuition

How to enter:

Step 1

Get a new CIBC student bank account, credit card, or line of credit

You have until December 31, 2018.

Graduation cap, credit card, and debit card

Step 2

Join Student Life NetworkOpens a new window in your browser

Already a member? Just remember to open your new CIBC bank account, credit card, or line of credit before December 31, 2018 to enter the contest.

You’ll be automatically entered for a chance to win $35,000. On January 10, 2019, a winner will be picked from active SLN membersOpens a new window in your browser.

No purchase necessary. Review the full Contest Rules (PDF, 340 KB) .

^◊◊ NO PURCHASE NECESSARY. Open January 1, 2018 to December 31, 2018 to legal residents of Canada who are sixteen (16) years of age or older and are current students of an accredited Canadian university, college or secondary school. Grand prize of $35,000 CAD. Odds of winning depend on number of eligible entries received. Math skill test required. Refer to Student Life Network for contest detailsOpens a new window in your browser. Read full contest rules (PDF, 340 KB) .

¹ A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments and debit purchases. Additional fee(s) apply to withdrawals from non-CIBC bank machines and foreign currency transactions (including cheques written in currencies other than the account currency).

² We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

³ Cash back is earned on a tiered basis on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Cash back is calculated as follows: on the first $6,000 in net annual card purchases excluding grocery on your account, the cash back earned is 0.5%; on amounts greater than $6,000 in net annual purchases excluding grocery the cash back earned is 1%.

⁴ Applicants must meet all CIBC lending criteria. Certain conditions and restrictions apply. Credit limit determined by CIBC, in its sole discretion. Qualified guarantor may be required. Products and their features may change at any time. This is a general description only. For more information and product terms and conditions, consult product brochures or call 1-866-525-8622.

⁵ Approval subject to applicants meeting CIBC’s normal lending criteria. Recommended limit guidelines are based on professional programs offered through Canadian post-secondary institutions and depending on field of study. Credit limit determined by CIBC, in its sole discretion. Part time students are eligible for reduced credit limits determined by CIBC. Qualified guarantor may be required. Ongoing access to your Professional Edge Student PLC and annual credit limit increases (if applicable) subject to proof of enrolment, a continued good payment history and credit record, and a satisfactory cash flow analysis, determined by CIBC in its sole discretion. Certain conditions and restrictions apply. Products and their features may change at any time.

⁶ Up to 24 months after graduation or end of residency for medical and dental students in Canada, and up to 12 months after graduation, end of residency or articling for other qualified fields of study.

⁷ The CIBC free credit score service is a feature in the CIBC Mobile Banking App which allows CIBC clients to subscribe to get their credit score from Equifax Canada through Borrowell, our third party service provider.The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties or by CIBC in certain instances to access your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties and CIBC will take into consideration other information in addition to a credit score when evaluating your creditworthiness.

You should always obtain the most updated credit information and scores from Equifax Canada to ensure accuracy before making a major financial decision.

Trademarks

Banking for students

I'm looking for...

Why get the CIBC Smart™ Account for students?

What you get:

Why a student card?

What you can do:

Why student lines of credit?

Are you an international student studying in Canada? Check out our student banking offers.

Do more with your phone

Owe money to your study buddy? Pay them back, with no minimum transfer limit.

Pay your bills and your tuition from your phone.

Forgot your wallet at your dorm? No problem. Use your smartphone to pay without carrying the plastic.

Set savings goals and stay on track with your digital dashboard

Free credit score service
Powered by Borrowell⁷

Get the app

Your security comes first.

Find your ATM near campus

Looking for more information?

Get started

It’s never too early to think about a career at CIBC

We work hard and play harder