CIBC bank accounts and rates

We track 14 CIBC accounts, 7 personal and 7 business. 6 of them carry no monthly fee and the dearest is $65.00 a month. Every figure here comes from the institution’s own published pages, and where something is not published we leave it blank rather than record a zero. Last checked 19 August 2026.

Deposits are covered by CDIC insured, taken from what the institution publishes rather than from what the scheme covers in general. What deposit insurance actually covers sets out the difference and why an unlimited provincial guarantee is not the same promise as the federal one.

Every Account, With What It Costs

• CIBC eAdvantage Savings Account

  No monthly fee

  Three separate rate components are published: (1) a tiered Regular Interest rate across balance bands up to $9,999.99 / $10,000-$24,999.99 / $25,000-$99,999.99 / $100,000-$499,999.99 / $500,000+; (2) Smart Interest, applied to balances up to

• CIBC RRSP Daily Interest Savings Account

  No monthly fee

• CIBC Smart Start

  No monthly fee · Unlimited transactionsCDIC insured

  $0 until age 25

• CIBC TFSA Tax Advantage Savings Account

  No monthly fee

• CIBC US$ Personal Account

  No monthly fee

  Tiered across balance bands up to $2,999.99 / $3,000-$9,999.99 / $10,000-$24,999.99 / $25,000-$59,999.99 / $60,000 and over (top band paid on the portion above $60,000).

• CIBC Everyday Chequing Account

  $4.00 a month · 18 transactions a monthCDIC insured

  No minimum balance waiver. Seniors 65+ receive a $4.00 monthly discount, resulting in no fee for up to 18 transactions.

• CIBC Smart Account

  $16.95 a month · Unlimited transactionsCDIC insured

  Fee rebated with an end of day balance of $4,000 each day of the month in one CIBC Smart Account. $0 for youth and students under 25, students 25 and up, seniors 65+, newcomers,

• CIBC Business Investment Growth AccountBusiness

  No monthly fee · No transactions includedCDIC insured

• CIBC Not-for-Profit Operating AccountBusiness

  $4.00 a month · 30 transactions a monthCDIC insured

• CIBC Basic Business Operating AccountBusiness

  $6.00 a month · No transactions includedCDIC insured

• CIBC US Dollar Current AccountBusiness

  $8.00 a month · No transactions includedCDIC insured

• CIBC Everyday Business Operating AccountBusiness

  $25.00 a month · 30 transactions a monthCDIC insured

• CIBC Advanced Business Operating AccountBusiness

  $40.00 a month · 100 transactions a monthCDIC insured

• CIBC Unlimited Business Operating AccountBusiness

  $65.00 a month · Unlimited transactionsCDIC insured

Comparing across institutions? Compare every account on what it would cost you, work out what a chequing account really costs, or browse the full directory.