US checking 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.
Easy US cross-border banking with no monthly transaction fees
Features and benefits
Value
Pay no monthly transaction fees
Bank as much as you wantwithout worrying about transaction charges.
Ease
Spend like a local
Shop at your favorite retailers online or in person with your US debit card.
Convenience
Send free Zelle®7 transfers
Send money to friends and family in the US for free with Zelle® from the CIBC US Mobile Banking App.
Freedom
Get cash in the US
Withdraw US dollars at ATMs in the US without CIBC Bank USA ATM surcharge fees.2
Trust
Use checks anywhere
Write and deposit US checks remotely3through the CIBC US Mobile Banking App.
Speed
Get your money instantly
Transfer funds in real time between your Canadian CIBC accounts4and CIBC Bank USA Smart Account™, 24/7.
Who is this for?
Whether you live, travel, shop, work or attend school in the US, you can manage your banking seamlessly — just like you do in Canada.
Travelers and businesspeople
You visit the US frequently for pleasure or work
If you head south of the border regularly, you can get access to US cash easily with your US debit card.
Snowbirds
You spend part of the year in the US
If you live south of the border for part of the year and/or own property in the US, you can pay your US bills in US dollars online any time, even when you’re in Canada.
Students
You go to school in the US
If you attend school in the US you can transfer funds in real time between your Canadian and US CIBC accounts4so you can pay for tuition, books and expenses.
What do I need to open this account?
- Confirm you are at least 18 years old and a Canadian or US resident
- Haveaccess to your personal bank account through CIBC Online or Mobile Banking
- Have your CIBC account credentials (Canadian debit card and password)
- Have your passport or US driver’s licensenumber
Follow these three easy steps to apply
Step 1
Select the ‘Apply now’ button and consent to a US credit check.
Step 2
Log in with your Canadian credentials and complete the application form.
Step 3
Submit your application.
Apply Now Opens in a new window.
Ready to start using your new CIBC Bank USA Smart Account? Here's ourWelcome Guide Opens in a new window..
Still have questions?Contact one of our advisors Opens your phone app..
Bank when and how you like with easy digital tools
CIBC NetBanking
Online banking
Do all your everyday US banking such as bill payments and transfers online.
Zelle®
Free transfers
Transfer money to people you know in the US.
It’s fast7, easy and free!
Learn more Opens in a new window.
Apple Pay™
Easy purchases
Pay with your CIBC Bank USA debit card using your Apple device.5
Learn more Opens in a new window.
Note: To use your CIBC Bank USA Smart Account, you will need access to both Canadian and US online or mobile banking.
Download the CIBC US mobile banking app
Account fees
- Enjoy free monthly paper statements for the first three months and save the paper statement fee thereafter when you sign up for free electronic statements1
- Get a refund for up to four ATM surcharge fees per month when you use any non-CIBC Bank USA ATM6in the US
For more information, review theCIBC Bank USA Smart Account Agreements and Disclosures(PDF, 930 KB). Opens in a new window.
Frequently asked questions
Looking for more information? Our FAQs can help.
Opens in a new window.See all frequently asked questions Opens in a new window.
Need more information?
Call us at1-877-448-6500 Opens your phone app.
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