Canadian Imperial Bank of Commerce
CDIC lists Canadian Imperial Bank of Commerce and its CIBC trade name. The Smart Account figures below have a recorded future change cutoff, so they should not be carried into a later year without another review.
Let’s check the detail.The identity behind the name.
CDIC lists Canadian Imperial Bank of Commerce and its CIBC trade name. The Smart Account figures below have a recorded future change cutoff, so they should not be carried into a later year without another review. Compare the regular package and your actual waiver eligibility rather than assuming a promotional headline is permanent.
Institution-status research checked 2026-10-29. This does not refresh product fees, ratings or eligibility.
Account facts you can inspect.
CIBC Smart Account
Checked 2026-10-26 · selected fields only
This repeats the recorded monthly package fee twelve times at a constant price. It is an arithmetic illustration, not a forecast of your next twelve bills. Future price changes, waivers, introductory pricing and additional charges are not modelled. It is not your total annual account cost.
A recorded price change takes effect from 2027-01-01. The fixed-price illustration below does not forecast bills across that change.
See all twelve package-fee rows
| Fee number | Package fee | Package fees so far |
|---|---|---|
| 1 | $16.95 | $16.95 |
| 2 | $16.95 | $33.90 |
| 3 | $16.95 | $50.85 |
| 4 | $16.95 | $67.80 |
| 5 | $16.95 | $84.75 |
| 6 | $16.95 | $101.70 |
| 7 | $16.95 | $118.65 |
| 8 | $16.95 | $135.60 |
| 9 | $16.95 | $152.55 |
| 10 | $16.95 | $169.50 |
| 11 | $16.95 | $186.45 |
| 12 | $16.95 | $203.40 |
- Monthly-fee waiver balance
- $4,000.00
- Balance timing
- end of day each day of month
- Included transactions
- Unlimited under the reviewed terms
- Included e-Transfers
- Unlimited under the reviewed terms
- Other-network ATM fee charged by issuer
- Not reviewed
- Foreign-exchange markup
- Not reviewed
Conditions and what is still unknown
- The standard fee is for up to three qualifying Smart Accounts; the $4,000 end-of-day balance must be held each day in one Smart Account.
- The issuer announces a $17.95 standard monthly fee effective January 1, 2027. The stored $16.95 applies to this review date and may pass the known-change gate only through December 31, 2026. A fresh review is required from January 1; the announced future fee is not automatically substituted.
- Eligibility-based fee rebates, account-opening promotions and tier benefits are separate. The published online application was not submitted or tested.
Keep the earlier context in view.
These earlier descriptions and product names are preserved for continuity. They do not establish current services, offers or eligibility.
Earlier institution description
Canadian Imperial Bank of Commerce, known for innovation and customer service.
0 earlier product names
No product names were supplied in this earlier public record. That is not evidence that the provider has no products.
Earlier amounts, app ratings, welcome offers and application links are not treated as reviewed current terms.
Sources for this record.
Open CDIC’s institution lookupCDIC’s list covers member institutions and trade names. Provincial credit unions and other provider categories require the appropriate separate checks. Membership alone does not establish coverage for every product.
What would the account cost you?
Start with the package fee you would actually pay. Add extra transactions and cash access. Check introductory expiry and the exact daily-balance waiver test. Include a transition month if you are moving accounts.
Questions before your next step.
Does appearing here mean MITEY recommends this provider?
No. A directory entry and a dated fee record do not assess suitability, financial strength, customer service, approval likelihood or all of your costs. You decide which questions and sources matter to your situation.
What should I check if the institution changed names?
Identify the legal provider on your own agreement or statement. Read its official transition instructions before changing a login, payment instruction or account. Legal amalgamation, product migration and a brand change can happen on different dates.
Does a listed brand have its own deposit-insurance limit?
Do not assume so. Check the legal deposit-taker, eligible product, ownership category and current insurance rules. Several brands can belong to one institution; a fintech arrangement can involve a separate bank or trust company.
