CIBC Bank USAChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

CIBC Smart Account with RDSP monthly fee rebate

$16.95monthly fee

A year for an everyday customer: −$203 fees and interest, $2,000 kept
On our list: #883 of 986 checking accounts, by a year’s value for an everyday customer

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

Monthly fee: $16.95 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: To take advantage of the RDSP monthly fee rebate, accountholders must advise CIBC ... and show proof of RDSP beneficiary status or be a recipient of the Disability Tax Credit (DTC)Source · 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

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