CIBC Smart Start (Smart Account for Students)
$125
Welcome bonus
$0
Monthly fee
A no-fee student chequing plan that converts to the Smart Account at 25.
Welcome offer
- Complete qualifying actions
Key features
- Unlimited transactions including e-Transfer
- ATM rebates by tier
- $0 Global Money Transfer
Welcome Offer
CIBC is offering a $125 cash bonus when you open a Smart Start account and complete the qualifying actions.
It's worth noting that the offer can be bundled to as much as $850 when paired with the CIBC Dividend Visa Infinite Card.
Fees
The CIBC Smart Start account has no monthly fee for as long as you're under 25.
Once you turn 25, the account automatically converts to the standard CIBC Smart Account, and its regular fee structure applies from that point on.
Account Features
Smart Start is CIBC's student version of the Smart Account, built for everyday banking without a monthly cost.
You'll get unlimited transactions, including Interac e-Transfers, plus ATM fee rebates that vary by tier.
The account also includes CIBC Global Money Transfers at no charge, which is handy for sending money abroad.
Deposits are eligible for CDIC coverage.
Legal Disclaimers
Terms and conditions apply. The information for the CIBC Smart Start (Smart Account for Students) has been collected independently by Prince of Travel and is not provided or reviewed by CIBC. Offers, rates, and fees are subject to change — always confirm details on the financial institution's website before applying.
Last updated: July 8, 2026