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US checking account

CIBC Bank USA Smart Account™

Enjoy no monthly fee for unlimited transactions¹ with our market-leading US checking account — perfect for CIBC clients who live, travel, shop, study or work in the US.

Easy US cross-border banking with no monthly transaction fees

Features and benefits

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Value

Pay no monthly transaction fees

Bank as much as you want without worrying about transaction charges.

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Ease

Spend like a local

Shop at your favorite retailers online or in person with your US debit card.

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Convenience

Send free Zelle^®7 transfers

Send money to friends and family in the US for free with Zelle^® from the CIBC US Mobile Banking App.

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Freedom

Get cash in the US

Withdraw US dollars at ATMs in the US without CIBC Bank USA ATM surcharge fees.²

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Trust

Use checks anywhere

Write and deposit US checks remotely³ through the CIBC US Mobile Banking App.

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Speed

Get your money instantly

Transfer funds in real time between your Canadian CIBC accounts⁴ and CIBC Bank USA Smart Account™, 24/7.

Who is this for?

Whether you live, travel, shop, work or attend school in the US, you can manage your banking seamlessly — just like you do in Canada.

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Travelers and businesspeople

You visit the US frequently for pleasure or work

If you head south of the border regularly, you can get access to US cash easily with your US debit card.

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Snowbirds

You spend part of the year in the US

If you live south of the border for part of the year and/or own property in the US, you can pay your US bills in US dollars online any time, even when you’re in Canada.

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Students

You go to school in the US

If you attend school in the US you can transfer funds in real time between your Canadian and US CIBC accounts⁴ so you can pay for tuition, books and expenses.

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.

Apply Now

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

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.

Not enrolled? Sign up for CIBC Netbanking Opens in a new window.

Sign on

Note: To use your CIBC Bank USA Smart Account, you will need access to both Canadian and US online or mobile banking.

Download the CIBC US mobile banking app

Download on the App Store. Opens a new window in your browser.

Get it on Google Play. Opens a new window in your browser.

Download on the App Store. Opens a new window in your browser.

Get it on Google Play. Opens a new window in your browser.

Account fees

Get a refund for up to four ATM surcharge fees per month when you use any non-CIBC Bank USA ATM⁶ in the US

For more information, review the CIBC Bank USA Smart Account Agreements and Disclosures (PDF, 930 KB). Opens in a new window.

Frequently asked questions

Looking for more information? Our FAQs can help.

Can Canadian residents open a CIBC Bank USA Smart Account?

How long does it take you to approve my CIBC Bank USA Smart Account application and activate my account?

How can the CIBC Bank USA Smart Account meet my banking needs in the US?

How do I get a debit card for my CIBC Bank USA Smart Account?

Opens in a new window.See all frequently asked questions Opens in a new window.

Need more information?

Call us at 1-877-448-6500

Find banking centers and ATMs

¹Transactions include ATM or pre-authorized withdrawals, Zelle^® payments, online payments or transfers, mobile remote deposit, point of sale purchases and teller assisted transactions. For up to four withdrawals from non-CIBC or non-CIBC Bank USA ATMs, you’ll receive a refund each month, up to $20.

²ATM transactions may be conducted through the MasterCard®, Cirrus®, STAR®, NYCE and Maestro® networks. CIBC Bank USA will not charge you a fee for using other banks’ ATMs, but the owner or operator of a non-CIBC Bank USA ATM may charge a fee to use the ATM.

³Only US dollar checks drawn on a US financial institution can be deposited. If you use the check deposit function on the mobile app, there are limits to how much you can deposit. Please consult the CIBC Bank USA Mobile Banking End User Terms Agreement Opens in a new window. for complete details on mobile check deposit limits.

⁴If you transfer funds between your CIBC Canadian dollar account and your CIBC Bank USA Smart Account, CIBC exchange rate conversion fees will apply. If you transfer funds between your CIBC US$ Personal Account and your CIBC Bank USA Smart Account, no exchange rate conversion fees will apply.

⁵Apple Pay is available on select Apple devices.

⁶Up to four non-CIBC Bank USA ATM fees are refunded, up to a maximum $20 per month.

⁷Enrolled users are allowed to send and receive money with Zelle^® even if they bank with another bank besides CIBC Bank USA. Transactions between enrolled consumers typically occur in minutes. Data rates may apply.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

The CIBC Bank USA Smart Account is offered by CIBC Bank USA, a US bank. CIBC Bank USA is a wholly-owned subsidiary of CIBC. Deposits at CIBC Bank USA are insured up to the applicable limits by the Federal Deposit Insurance Corporation (FDIC).The CIBC Bank USA Smart Account is offered and supported in English only. The CIBC Bank USA Smart Account is a non-interest bearing checking account. All holding and transactions are in US dollars only.

The CIBC Bank USA Smart Account and all CIBC Bank USA products and services are offered in English only.

The CIBC Bank USA Smart Account is available to CIBC clients with an eligible CIBC (Canada) deposit account who are Canadian or US residents and are over 18 years of age.