CIBC Bank USAChecking accountChecked Oct 10, 2026Updated
CIBC Smart Account for Newcomers
$16.95monthly fee
- A year for an everyday customer
- −$203 fees and interest, $2,000 kept
- On our list
- #885 of 986 checking accounts, by a year’s value for an everyday customer
Visit CIBCThe bank’s own page · checked Oct 10, 2026
Bonuses
$35.08With a current customer’s referral · CIBC Smart Account Refer-a-Friend Program
The friend must use the referrer's unique referral link to open their first eligible CIBC Smart Account. Within 60 calendar days of opening, CIBC Smart Start or CIBC Smart for Students requires a deposit of at least $100, five Visa Debit pu
Fees
- Monthly fee
- $16.95 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- show proof of Newcomer statusSource · checked Oct 10, 2026
- Overdraft fee
- $5Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $10Source · checked Oct 10, 2026
- ATM network
- CIBC bank machines in Canada; Interac, Plus and Visa networksSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $2Source · checked Oct 10, 2026
- International ATM fee
- $5Source · checked Oct 10, 2026
- ATM fees refunded, up to
- $2 a monthSource · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 2.5%Source · checked Oct 10, 2026
Features
Debit card
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees