The CIBC Bank USA Smart Account is offered and supported in English only. The CIBC Bank USA Smart Account is a non-interest bearing chequing account. All transactions are in US dollars only.
The CIBC Bank USA Smart Account is available to CIBC clients with an eligible CIBC (Canada) deposit account who are Canadian or US residents and are over 18 years of age.
The CIBC US$ Personal Account is an interest-bearing savings account offered by CIBC.
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.
1 The CIBC Bank USA Smart Account is offered by CIBC Bank USA. CIBC Bank USA is a wholly-owned subsidiary of CIBC. Deposits in the CIBC Bank USA Smart Account are insured up to the applicable limits by the Federal Deposit Insurance Corporation (FDIC). CIBC and its employees are not agents or employees of CIBC Bank USA. Please contact CIBC Bank USA for account servicing questions.
2 Transactions include ATM or pre-authorized withdrawals, Zelle® payments, online payments or transfers, mobile remote deposit, point of sale purchases and teller assisted transactions. For up to four withdrawals from non-CIBC or non-CIBC Bank USA ATMs, you’ll receive a refund each month, up to $20 US.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
3 Regular interest is calculated daily at the current rate on each day’s full closing balance and paid on the last business day of the month.
Your entire account balance earns the rate applicable to the tier when the final balance falls in any of the first 4 tiers. On the final tier, the rate applies only on the portion of the balance in that tier. This interest cannot be withdrawn, and will not be printed at branch terminals or bank machines or made available through CIBC Telephone or Online Banking, until the second business day of the following month.
Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice.
If you have any questions about our interest rates, call 1-800-465-2422 Opens your phone app. or open an account at your local CIBC Banking Centre Opens in a new window..
◊ The annual fee on your CIBC U.S. Dollar Aventura® Gold Visa* Card will be rebated if, at the time your annual fee is charged, your CIBC U.S. Dollar Aventura Gold Visa account is in good standing and you hold an eligible CIBC premium personal credit card and either the CIBC US$ 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.
4 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.
5 Aventura 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.
6 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.
7 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.
8 Offer 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.
9 CIBC 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 the CIBC Rewards Centre Opens in a new window. or by calling 1-888-232-5656 Opens your phone app.. Authorized Users 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.
10 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 or 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 Opens your phone app. in Canada, Continental U.S. and Hawaii or collect from elsewhere at 905-403-3338 Opens your phone app..
11 U.S. mortgage loans are offered by CIBC Bank USA, a U.S. bank. CIBC Bank USA is a wholly-owned subsidiary of CIBC. Equal Housing Lender. Member FDIC.
12 CIBC Travel Insurance plans are underwritten by Co-operators Life Insurance Company (accident and sickness benefits) and The Sovereign General Insurance Company (property and casualty benefits). CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc.
13 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 enrolment.
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