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  1. CIBC Bank USA Smart Account™. Enjoy no monthly fee for unlimited transactions1 with our market-leading US checking account — perfect for CIBC clients who live, travel, shop, study or work in the US. Features and benefits. Who is this for?

  2. The CIBC Bank USA Smart Account is available to CIBC clients with an eligible CIBC (Canada) deposit account, who are Canadian or U.S. residents and are over 18 years of age. Next.

  3. CIBC Bank USA Smart Account™. Ideal for frequent travellers who live, travel, shop and work in the US1. Bank when you like. Enjoy no monthly fee for unlimited transactions 2, plus transfer funds in real time between your Canadian and US CIBC accounts. Enjoy convenient access to your US dollars.

  4. A CIBC chequing account lets you manage your money with ease. Take advantage of everything the CIBC Smart Account offers including flexible monthly fees, discounts for seniors and students, and tools to make banking easier.

  5. Your new CIBC Bank USA Smart Account is a chequing account that provides convenience and flexibility to manage your cross-border banking with confidence. New Account Setup Checklist. Account Number.

  6. This Consumer Deposit Account Agreement sets forth the terms and conditions of your CIBC Bank USA Smart Account (“Account”) at CIBC Bank USA (“Bank”).

  7. Make real-time cross-border transfers between your Canada-based accounts and the CIBC Bank USA Smart Account™.

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