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Pay no monthly account maintenance fee if you maintain a daily minimum balance in your account of $3,000 or more1.
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You’ll pay an account maintenance fee of $4.95 each month, which lets you to make up to 12 debit transactions2.  After that, it’s $1.25 per transaction until you make 201.
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Once you make 20 debit transactions, your fee is capped. When you reach this amount, you can make as many debit transactions  as you like.
Learn more about Smart Account fees

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

All frequently asked questions

Need more information?

Call us at 877-448-6500