Enjoy flexible cross-border banking

Starting at

$4.95

Capped at

$14.95

Up to 12

$4.95


13 to 20

(additional $1.25 each)


Unlimited

$14.95

Transfer and spend money easily and conveniently

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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.
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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.
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Use your CIBC Bank USA debit card to shop at your favorite U.S. retailers without exchange fees.
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Write USD checks to pay for purchases in the U.S.
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Set up real-time alerts in CIBC NetBanking to help you manage your finances.
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Pay bills in U.S. dollars to U.S. billers.

Bank when, where and how you like

Access our ATM network across the U.S.

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Frequently asked questions


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