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- Personal
- Bank Accounts
- Chequing
Easily pay bills, send money and make payments with a CIBC chequing account
What is a CIBC chequing account?
A chequing account is a bank account used for everyday spending. Manage your finances and cash flow easily with one of our accounts.
Open a chequing account online
Open an account from the comfort of your home. Our online application is safe, secure and only takes a few minutes to complete.
SPECIAL BUNDLE OFFER
Get up to $600† cash
after you open a CIBC Smart Account as your first chequing account, then open your first CIBC eAdvantage® Savings Account and complete all qualifying actions.†
Pay no monthly fee1
Your monthly fee is rebated when you meet the daily balance requirement with eligible accounts.1
Get digital access within minutes13
Apply online and access your bank account instantly. You can also add your debit card to your mobile wallet and start shopping on the first day.
Get an alert before you're overdrawn
Forgot about that payment?CIBC Smart Balance Alert™, 2 helps you stay on top of your account.
Fuel up for less
Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations withJournie Rewards.
Our most popular
CIBC Smart™Account
Bank a little or a lot?
The only major Canadian bank that has a flexible account fee13
Special bundle offer†
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Flexible monthly fee
$01up to $16.95
- Pay less, if you bank less1,2
- Save more! Maintain a daily balance of $4,000 or more and pay no monthly fee3
- Get digital access to your bank account4 and start banking within minutes
Our mostPREMIUM
CIBC Smart™Plus
All-in-one banking that rewards you
Special bundle offer†
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Monthly fee
$05or $29.95
- No monthly fee5 when you maintain a daily balance of $6,000 or $100,000 in eligible savings and investments5
- Pay no annual fee on select CIBC credit cards for the primary card holder6
- Unlimited transactions2, including Interac e-Transfer® transactions7
- Pay no CIBC fee at any ATM worldwide8
- Includes overdraft protection at no additional cost9
CLIENTS UNDER AGE 25
CIBC Smart™ Start
Special $100 offer††
Get unlimited everyday banking and pay no monthly fees12 with CIBC Smart Start.
us based chequing account
CIBC Bank USA Smart Account™ Opens in a dialog.
Bank as much as you want and enjoy no monthly fee for unlimited transactions.14
Ideal for frequent travellers who live, travel, shop and work in the US.15
Want just the basics?
Learn aboutthe CIBC Everyday®Chequing Account
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Check out our benefits for these specialized accounts:
Students | Seniors | New to Canada | Foreign workers
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Still looking for the right fit?
Enter a few details and we'll find the right bank account for you.
Binge your Disney+ favourites on us!◇
Open a CIBC Smart™ Account as your first chequing account. Then, subscribe and pay for Disney+ Standard with Visa* Debit to get a rebate for up to 6 months.◇
Create healthier financial habits with CIBC Insights
Manage your daily spending and grow your savings with help from CIBC Insights — a tool included in the CIBC Mobile Banking App® that offers tailored tips based on your debit and credit card activity.
Our clients are our priority
Save on bank account fees
We'll guide you with advice and tips so you canget the most from your account(s).
Our clients are our priority
Help and advice
Lost, stolen or damaged cards
1-800-663-4575Opens your phone app.
(Canada and U.S.)
514-861-9898Opens your phone app.
(Elsewhere)
Report fraud
1-800-465-2422Opens your phone app.
(Canada and U.S.)
902-420-2422Opens your phone app.
(Elsewhere)
How to
Pay with your phone
Check outand go with Android Pay™, Samsung Pay®and Apple Pay®. Just load your CIBC cards and you're ready to go.
How to
Register for CIBC Mobile and OnlineBanking
Register once and you can immediately start banking on all your devices.
How to
Send money withInterace-Transfer®
It's easy and secure to send cash and request money from others. Register for Autodeposit and skip answering security questions.
Your chequing account questions answered
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CIBC is a member of Canada Deposit Insurance Corporation (CDIC)
