CIBC Bank USAChecking accountChecked Oct 10, 2026Updated
CIBC Smart Account — Tier 3
$16.95monthly fee
- A year for an everyday customer
- −$203 fees and interest, $2,000 kept
- On our list
- #881 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
- Any one of these:
- Average Monthly Balance of Deposits and Investments – $100,000 or more
- For additional accounts (over 3 CIBC Smart Accounts), maintain a minimum end of day account balance of $4,000 each day during the month
- Overdraft fee
- $5Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $10Source · checked Oct 10, 2026
- ATM network
- CIBC bank machines in Canada; Plus and Visa networksSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $3Source · checked Oct 10, 2026
- International ATM fee
- $5Source · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 2.5%Source · checked Oct 10, 2026
Features
Check writingDebit card
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
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