Senior benefits on bank accounts

When you turn 65, you're automatically eligible for the perks of CIBC Smart™ for Seniors.

Pay less, get more

A lower monthly fee on your chequing account^ⓘ. Extra transactions on your savings account^ⓘ. Get these benefits and more with CIBC Smart for Seniors.

Manage your money from anywhere

Use Online and Mobile Banking® to transfer money, pay bills, make purchases and manage your money anywhere, anytime.

Digital access within minutes^ⓘ

Apply online and access your bank account instantly. You can also add your debit card to your mobile wallet and start shopping on the first day.

Choose the right account for your banking needs

You’ve earned some great perks with our chequing accounts^ⓘ:

A lower monthly fee
Free Interac e-Transfer® transactions with the CIBC Smart Account and CIBC Smart^™ Plus Account

Free bank drafts and money orders
A $10 discount on the annual rental fee for a safety deposit box

Make purchases, pay bills and do more with our flexible chequing account

Combine your credit card, chequing account and more^ⓘ

Chequing

CIBC Smart™ Account

Special offer

Get $450 cash after you open a CIBC Smart Account and complete the qualifying actions.^ⓘ

Includes

Free Interac e-Transfer transactions

One free non-CIBC ATM withdrawal in Canada per month^ⓘ

Option for unlimited transactions

Transactions^ⓘ

Up to 12: $0

13 to 20: Additional $1.25 each

Unlimited: $10.00

Monthly fee

$0 to $10.00
Includes the $6.95 monthly fee discount

Learn more

ALL-IN-ONE

CIBC Smart™ Plus Account

Special offer

Get $450 cash after you open a CIBC Smart Plus Account and complete all qualifying actions.^ⓘ

Includes

A premium CIBC credit card with annual fee rebates^ⓘ

Free non-CIBC Interac ATM withdrawals

Free personalized cheques

Transactions^ⓘ

Unlimited

Monthly fee

$23
Includes the $6.95 monthly fee discount

Open an account

Learn more

Just want the basics?

Learn about the CIBC Everyday® Chequing Account

Grow your Canadian savings account with ease

An easy way to manage your U.S. funds

Savings

CIBC eAdvantage® Savings Account

Your benefits

Free paperless statements^ⓘ

$5 discount on the annual rental fee for a safety deposit box

Regular Interest rate^ⓘ

RDS%rate[3].CESA.Published(null,0.0_-_9999.99_CAD_Balance,1,1)(#O2#)% to RDS%rate[3].CESA.Published(null,500000.0_and over_0.0_CAD_Balance,1,1)(#O2#)%

Review current interest rates

Smart Interest rate

RDS%rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)% on balances up to $200,000 when you save $200 or more a month. Limits apply.^ⓘ

Special offer

Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%^ⓘfor 3 months when you open your first account. Limits apply.

Apply now

Learn more

Savings

CIBC US$ Personal Account

Your benefits

2 free transactions per month^ⓘ

Free paper statements

Free paperless statements^ⓘ

Free bank drafts and money orders

$5 discount on the annual rental fee for a safety deposit box

Regular Interest rate^ⓘ

RDS%rate[3].CUPA.rate(null,0.0_up to_2999.99_CAD_Balance,1,1)(#O2#)% to RDS%rate[3].CUPA.rate(null,60000.0_and over_0.0_CAD_Portion,1,1)(#O2#)%

Review current interest rates

Monthly fee

Apply now

Learn more