Enjoy flexible cross-border banking

Special offer

Pay no monthly fee for one year



Up to 12


13 to 20

(additional $1.25 each)



Get the convenience you want

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. 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.

Bank when, where and how you like

Access our ATM network across the U.S.

Frequently asked questions