1 Transactions 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. There is a $2.25 monthly fee if you receive a paper statement, which is waived if you sign up for electronic statements. Clients who elect to receive the monthly paper statements will not be charged this fee for the first three months after opening an account.
2ATM transactions may be conducted through the MasterCard®, Cirrus®, STAR®, NYCE and Maestro® networks. CIBC Bank USA will not charge you a fee for using other banks’ ATMs, but the owner or operator of a non-CIBC Bank USA ATM may charge a fee to use the ATM.
3Only US dollar checks drawn on a US financial institution can be deposited. If you use the check deposit function on the mobile app, there are limits to how much you can deposit. Please consult the CIBC Bank USA Mobile Banking End User Terms Agreement Opens in a new window. for complete details on mobile check deposit limits.
4If you transfer funds between your CIBC Canadian dollar account and your CIBC Bank USA Smart Account, CIBC exchange rate conversion fees will apply. If you transfer funds between your CIBC US$ 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 or Personal Line of Credit (PLC) who are Canadian or US residents and are over 18 years of age.