RateHerald

Monthly fee

$0

$0 a year for an everyday customer: fees and interest, $2,000 kept.

CIBC Bank USA · Checking account

CIBC Bank USA Smart Account

$0 a year for an everyday customer. No monthly fee.

Checked Nov 8, 2026Updated

A year, everyday customer
$0
Monthly fee
To open
Not stated

Offer

Bonus

$35.82

With a current customer’s referral

CIBC Smart Account Refer-a-Friend Program

The friend must use the referrer's unique referral link to open their first eligible CIBC Smart Account. Within 60 calendar days of opening, CIBC Smart Start or CIBC Smart for Students requires a deposit of at least $100, five Visa Debit pu

Against the market

How it ranks

#377of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Zelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
Nonecibc.com, checked Nov 8, 2026
Ways to avoid the monthly fee
Any one of these:
  • end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account
  • Tier 2: $40,000 to $99,999 Average Monthly Balance in your personal deposit and investment holdings with CIBC — Monthly fee: $0 for up to 3 accounts
  • Tier 3: $100,000 or more Average Monthly Balance in your personal deposit and investment holdings with CIBC — Monthly fee: $0 for up to 3 accounts
  • No monthly account fee for youth and students under 25
  • students age 25 and up
  • Pay no monthly account fee if you're over 65
  • newcomers, foreign workers, RDSP beneficiaries and recipients of the Disability Tax Credit. Applies to all CIBC Smart Accounts, no minimum balance required.
cibc.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Not all of this account’s figures are on record yet (details missing). Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on cibc.com

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