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Easy US cross-border banking with no monthly transaction fees
Features and benefits
![Parents watching their kids play](/content/dam/global-assets/illustrations/pink-background/cards/cross-border-debit-450x250.png/_jcr_content/renditions/cq5dam.web.767.767.png)
Value
Pay no monthly transaction fees
Ease
Spend like a local
Convenience
Send free Zelle®7 transfers
Freedom
Get cash in the US
Trust
Use checks anywhere
Speed
Get your money instantly
Who is this for?
![Parents watching their kids play](/etc.clientlibs/cibcpublic/clientlibs/assets/resources/images/spacer-1px.png)
Travelers and businesspeople
You visit the US frequently for pleasure or work
![Parents watching their kids play](/etc.clientlibs/cibcpublic/clientlibs/assets/resources/images/spacer-1px.png)
Snowbirds
You spend part of the year in the US
![Parents watching their kids play](/etc.clientlibs/cibcpublic/clientlibs/assets/resources/images/spacer-1px.png)
Students
You go to school in the US
What do I need to open this account?
- Confirm you are at least 18 years old and a Canadian or US resident
- Have access to your personal bank account through CIBC Online or Mobile Banking
- Have your CIBC account credentials (Canadian debit card and password)
- Have your passport or US driver’s license number
Follow these three easy steps to apply
Step 1
Select the ‘Apply now’ button and consent to a US credit check.
Step 2
Log in with your Canadian credentials and complete the application form.
Step 3
Submit your application.
Ready to start using your new CIBC Bank USA Smart Account? Here's our Welcome Guide Opens in a new window..
Still have questions? Contact one of our advisors Opens your phone app..
Bank when and how you like with easy digital tools
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CIBC NetBanking
Online banking
Do all your everyday US banking such as bill payments and transfers online.
Zelle®
Free transfers
Transfer money to people you know in the US.
It’s fast7, easy and free!
Learn more Opens in a new window.
Apple Pay™
Easy purchases
Pay with your CIBC Bank USA debit card using your Apple device.5
Learn more Opens in a new window.
Download the CIBC US mobile banking app
Account fees
Frequently asked questions
Looking for more information? Our FAQs can help.