Easy US cross-border banking with no monthly transaction fees

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Value

Pay no monthly transaction fees

Parents watching their kids play

Ease

Spend like a local

Parents watching their kids play

Convenience

Send free Zelle®7 transfers

Parents watching their kids play

Freedom

Get cash in the US

Parents watching their kids play

Trust

Use checks anywhere

Parents watching their kids play

Speed

Get your money instantly

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Travelers and businesspeople

You visit the US frequently for pleasure or work

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Snowbirds

You spend part of the year in the US

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Students

You go to school in the US

  • 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.

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!

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Apple 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

Looking for more information? Our FAQs can help.