Why you'll love the account that grows with you

Get free everyday banking and enjoy unlimited debit and Interac e-Transfer® transactions1,2 in Canada and no monthly fee until age 25.3

Tap your phone to pay with Interac debit, Apple Pay® or Google Pay™ and access your account with our award-winning Mobile Banking® App.

Students 14 and up save up to 30% on over 450 top brands when shopping online or in-store with a free SPC+ membership.

Get set for school and beyond

Binge your Disney+ favourites on us!◊◊

Open your first chequing account with CIBC Smart™ Start. Then, subscribe and pay for Disney+ Standard with Visa* Debit to get a rebate for up to 6 months.◊◊

Digital exclusive offer

Enjoy extra cash and all your banking essentials with the CIBC Best Student Life Bundle

You must have reached the age of majority in your province or territory to qualify.

Key features


Special offer 

How do I qualify?

They’ll save up faster with no monthly fee until age 25. Then their account will continue as a regular CIBC Smart Account.

Parents can easily set up recurring transfers to deposit their child’s allowance using mobile banking.

Check your balance and get personalized financial tips using our award-winning Mobile Banking App.

Get your child started with all the free benefits of Smart Start

Binge your Disney+ favourites on us!◊◊

Open your first chequing account with CIBC Smart™ Start. Then, subscribe and pay for Disney+ Standard with Visa* Debit to get a rebate for up to 6 months.◊◊

Key features

 
Special offer 

How do I qualify?

Make the most of Smart Start

Bank anywhere with CIBC Mobile Banking

Get your student-life essentials on a budget

Invest in your future with free online trading8

Expert advice and financial tips

Student budget calculator

Smart advice for students

Scholarships 101

Your Smart Start questions answered