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Enjoy US cross-border banking with no monthly fee
Features and benefits
Value
Pay no monthly fee1
Ease
Spend like a local
Convenience
Make easy transfers
Freedom
Get cash in the US
Trust
Use checks anywhere
Speed
Get your money instantly
Who is this for?
Travelers and businesspeople
You visit the US frequently for pleasure or work
Snowbirds
You spend part of the year in the US
Students
You go to school in the US
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 or personal line of credit 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.
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®
Fast transfers
Easily transfer money online to people you know in the US.
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Apply Pay™
Easy purchases
Pay with your CIBC Bank USA debit card using your Apple device.5
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Download the CIBC US mobile banking app
Account fees
Frequently asked questions
Looking for more information? Our FAQs can help.