Monthly fee
$16.95
−$203 a year for an everyday customer: fees and interest, $2,000 kept.
CIBC Bank USA · Checking account
CIBC Smart Account (Tiers 1-3)
−$203 a year for an everyday customer. $16.95 a month.
- A year, everyday customer
- −$203
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · cibc.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Not stated
Offer
Bonus
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
#942of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Check writing
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
- $16.95 a monthcibc.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- Maintain a minimum end of day account balance of $4,000 each day for that month, in any one of your CIBC Smart Accounts and receive a monthly account fee rebate of $16.95 on up to 3 CIBC Smart Accounts
- Average Monthly Balance of Deposits and Investments – $40,000 or more (Tier 2: Pay $0 for up to 3 CIBC Smart Accounts, with a $16.95 fee rebate automatically applied)
- Average Monthly Balance of Deposits and Investments – $100,000 or more (Tier 3: Pay $0 for up to 3 CIBC Smart Accounts, with a $16.95 fee rebate automatically applied)
- Foreign transaction fee (debit card)
- 2.5%cibc.com, checked Nov 8, 2026
- Stop payment
- $12.50cibc.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
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