Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (for CIBC Smart Plus Accounts, the fee for all non-CIBC ATM withdrawals in Canada, the U.S. “ CIBC-branded” means any brand that has CIBC in its name. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC personal bank account(s) and to your CIBC Personal Line(s) of Credit (except Interac e-Transfer service which will be treated as a transaction) and transfers to your CIBC Credit Card account(s). Other conditions apply review the terms and conditions (PDF, 160 KB) Opens in a new window.ġ A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. The cash reward will be deposited into your account within 7 months (or 10 months for ISBO) after you have opened the account. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated by CIBC. Eligibility of transactions will be determined by CIBC in its sole discretion. The direct deposit and the pre-authorized debit must remain in effect for at least 1 year from after the month of opening the account. Within 2 months after the month of opening the account, earn a cash reward when you complete the following actions: (i) get $25 when funds are deposited or transferred into your account and you provide your email address (ii) get $50 for 1 recurring direct deposit (iii) get $50 when you complete your choice of: (a) 2 different recurring pre-authorized debits within the same calendar month or (b) 5 Visa Debit purchases within the same calendar month or (c) 2 online bill payments of at least $50 each within the same calendar month. To qualify for this offer, open a CIBC Smart™ Account with a CIBC Smart Start or CIBC Smart for Students benefit. Offer available to Canadian residents and international students enrolled in CIBC’s ISBO Deposit Program, who meet the eligibility requirements for the CIBC Smart™ Start or CIBC Smart™ for Students benefit, and from 2019 to the time of opening the account are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. ◇ Cash reward offer begins on April 29, 2023, at 12:01 am ET. Trade-mark/registered trade-mark of Student Price Card Ltd. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (30) years if the eligible CIBC product you use to qualify for the membership is a student line of credit. Joint account holders of eligible CIBC products are not eligible for membership.

A complete list of eligible CIBC products can be found at SPC and CIBC. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. ‡ To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking.

Hp smart account