Man smiling while banking in the U.S. on his smartphone

U.S. DOLLAR CHECKING ACCOUNT

CIBC Bank USA Smart Account™

Enjoy flexible cross-border banking. If you live, travel, shop or do business in the U.S., now you can easily transfer cash, pay U.S. bills and spend money with ease.

Open an account

Enjoy flexible cross-border banking

Special offer

Pay no monthly fee for one year^†

Get unlimited everyday banking with a new CIBC Bank USA Smart Account.

Smartphone showing the CIBC Bank USA Smart Account debit card

Pay a smart monthly fee that adjusts to you

Starting at

$4.95

Capped at

$14.95

Monthly fee by number of transactions^{1, 2}

Up to 12

$4.95

13 to 20

(additional $1.25 each)

Unlimited

$14.95

Pay no monthly fee

It's waived when your daily balance is $3,000 or more.

Learn more about Smart Account feesOpens in a pop-up window

Get the convenience you want

Your CIBC Bank USA Smart Account is an everyday checking account in U.S. dollars that will be automatically linked to your Canadian CIBC Online Banking^® profile.

Set up automated direct deposits for your U.S. dollar payroll checks from U.S.-based organizations.

Transfer and spend money easily and conveniently

Set up recurring transfers between your CIBC US$ Personal Account (US$ savings account) in Canada and your CIBC Bank USA Smart Account in the U.S.³ through CIBC Online Banking.

Make real-time transfers between your Canadian CIBC accounts⁴ and CIBC Bank USA Smart Account through CIBC Online Banking. Save on transfer fees, but transaction fees apply.

Use your CIBC Bank USA debit card to shop at your favorite U.S. retailers without exchange fees.

Write USD checks to pay for purchases in the U.S.

Set up real-time alerts in CIBC NetBanking to help you manage your finances.

Pay bills in U.S. dollars to U.S. billers.

Remote check deposit

Deposit checks with the CIBC US Mobile Banking App, without leaving home⁶.

Access our ATM network across the U.S.

Withdraw U.S. dollars at ATMs in participating networks in the U.S. without CIBC Bank USA ATM surcharge fees⁷

Get a refund for up to 4 ATM surcharge fees per month when you use any non-CIBC Bank USA ATM⁸

Pay no ATM transaction fees when you withdraw funds from CIBC ATMs in Canada⁹

Open an account

Frequently asked questions

What are the requirements to apply for a CIBC Bank USA Smart Account?

Is the CIBC Bank USA Smart Account available for businesses?

How do I access my CIBC Bank USA Smart Account?

All frequently asked questions

Need more information?

Call us at 1-877-448-6500Opens your phone app

CIBC Bank USA Smart Account™