Enjoy flexible cross-border banking

Special offer

Pay no monthly fee for one year†

Smartphone showing the CIBC Bank USA Smart Account debit card.

$4.95

$14.95

Up to 12

$4.95

13 to 20

(additional $1.25 each)

Unlimited

$14.95

Transfer and spend money easily and conveniently

Calendar icon
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.
Clock icon
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.
Store icon
Use your CIBC Bank USA debit card to shop at your favorite U.S. retailers without exchange fees.
Check with pencil icon
Write USD checks to pay for purchases in the U.S.
Megaphone icon
Set up real-time alerts in CIBC NetBanking to help you manage your finances.
Finger pressing button icon
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.

Checkmark icon

Checkmark icon

Checkmark icon

Learn more about debit cards and banking.
Open an account

Frequently asked questions

All frequently asked questions

Need more information?