Bank Accounts
CIBC: accounts and charges
6 accounts captured from CIBC's own published pages and fee schedules, captured 2026-11-15. Charges are printed exactly as published.
CIBC Smart Account
Type: chequing
| Monthly fee | $16.95/month for up to 3 accounts (Effective January 1, 2027: $17.95) |
|---|---|
| Fee waiver minimum balance | $4,000 end-of-day account balance each day of that month in one CIBC Smart Account (monthly fee rebate) |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | No fee, included with monthly fee |
| NSF fee | $10.00 (Personal Account Service Fees brochure: effective March 12, 2026, the NSF fee will be $10.00 CAD for Canadian dollar accounts) |
| Overdraft | CIBC Overdraft Protection Service: Monthly Fixed Fee $5.00/month or Pay Per Use $5.00 fee applied when an overdraft is created or increased; interest applies |
| ATM fees | Not in the published capture |
| Published welcome bonus | Bundle to earn up to $850 (published on CIBC chequing page; conditions apply) |
| Interest rate as published | Not in the published capture |
Tiered banking from Nov 1, 2025: Tier 2 (average monthly balance $40,000+) and Tier 3 ($100,000+) pay $0 for up to three Smart Accounts. No monthly fee for youth/students under 25, seniors 65+, newcomers and others as published. Non-CIBC ATM fees were not published in the excerpts of CIBC's own pages reached in this pass (null).
Source: https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts.html | Captured 2026-11-15
CIBC Everyday Chequing Account
Type: chequing
| Monthly fee | $4.00/month |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 18 transactions included monthly |
| Excess transaction fee | $1.25 for each transaction over 18 |
| Interac e-Transfer fee | No fee for using Interac e-Transfer, included in monthly fee |
| NSF fee | $10.00 (Personal Account Service Fees brochure: effective March 12, 2026, the NSF fee will be $10.00 CAD for Canadian dollar accounts) |
| Overdraft | CIBC Overdraft Protection Service: Monthly Fixed Fee $5.00/month or Pay Per Use $5.00 fee applied when an overdraft is created or increased; interest applies |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Basic low-cost account; no monthly fee for seniors over 65 as published on the chequing page. No fee-waiver minimum balance published (null). Non-CIBC ATM fees not published on pages reached (null).
Source: https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts.html | Captured 2026-11-15
CIBC US$ Personal Account
Type: savings
| Monthly fee | $0 (no monthly account fee) |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | No transactions included (Effective January 16, 2027: one free transaction per month included) |
| Excess transaction fee | $0.75 U.S./transaction (Effective January 16, 2027: $3.00 U.S. for each transaction after the one free monthly transaction) |
| Interac e-Transfer fee | Not applicable (Interac e-Transfer service not applicable, per CIBC fees-and-details page) |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Listed by CIBC under savings accounts. Earns interest on balance per CIBC page, but no numeric rate was published in excerpts reached (null). Paper statement $2.25 US/month monthly or $0.75 US/month quarterly. NSF and overdraft figures not published on the page reached (null).
Source: https://www.cibc.com/en/personal-banking/bank-accounts/savings-accounts/us-personal-account/fees-and-details.html | Captured 2026-11-15
CIBC eAdvantage Savings Account
Type: hisa
| Monthly fee | $0 |
|---|---|
| Fee waiver minimum balance | No transactions included |
| Included transactions | $5.00 each |
| Excess transaction fee | $1.50 each plus transaction fee, if applicable (sending or requesting) |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Regular Interest: 0.40% on daily closing balances up to $99,999.99; 0.65% on balances $100,000 to $499,999.99 and $500,000 and over; plus Smart Interest 0.05% on balances up to $200,000 when you save $200 or more in any month |
| Interest rate as published | https://www.cibc.com/en/personal-banking/bank-accounts/savings-accounts/eadvantage-high-interest-savings-account/fees-and-details.html |
Source: Free transfers between your CIBC personal bank accounts. NSF, overdraft and ATM fees not published on the fees-and-details page reached (null). | Captured 2026-11-15
CIBC Bonus Savings Account
Type: savings
| Monthly fee | $0 |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 1 free/month |
| Excess transaction fee | $5.00 for each additional transaction |
| Interac e-Transfer fee | $1.50 each (Interac e-Transfer fee published in Personal Account Service Fees brochure for accounts other than chequing) |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Fees are from CIBC's Personal Account Service Fees brochure (March 12, 2026 edition excerpts). Interest rate was not published in the excerpts of CIBC's own pages reached in this pass (null); third-party listings were not used. NSF, overdraft and ATM fees not published on pages reached (null).
Source: https://www.cibc.com/content/dam/personal_banking/bank_accounts/pdfs/cibc-pasf-en.pdf | Captured 2026-11-15
CIBC Premium Growth Account
Type: savings
| Monthly fee | $0 |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | $1.50 each |
| Interac e-Transfer fee | $1.50 each (Interac e-Transfer fee published in Personal Account Service Fees brochure for accounts other than chequing) |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Transaction fee $1.50 each is from CIBC's Personal Account Service Fees brochure table for Premium Growth / Bonus Savings. Included-transaction count and interest rate were not unambiguously published in the excerpts reached (null). NSF, overdraft and ATM fees not published on pages reached (null).
Source: https://www.cibc.com/content/dam/personal_banking/bank_accounts/pdfs/cibc-pasf-en.pdf | Captured 2026-11-15