Youth / Student
CIBC Smart™ for Students / Smart Start
Student or Under 25, new CIBC client, open eligible account, then within 60 days make one deposit of at least $100 and complete 5 Visa Debit purchases.
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CIBC Referral Link in Oakville
Use the CIBC Referral Link in Oakville and compare all five $75 CIBC Smart Account Referral Options: Students, Newcomers, Apprentices, Seniors, and Everyone Else.
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CIBC Referral Options in Oakville
Newcomer
CIBC Smart™ Account for Newcomers
Permanent resident or landed immigrant within the last 5 years, or foreign worker with a Canadian work permit issued for at least 12 months. Open the newcomer account, keep average daily closing balance above $0 for 60 days, make a $100+ deposit, and complete one recurring direct deposit or one recurring pre-authorized debit.
Skilled Trades / Apprentices
CIBC Smart™ Account – Banking Offer for Apprentices
Open the Apprentice Banking Offer or CIBC Smart Account. Within 60 days, set up and execute recurring direct deposit(s) of at least $500 from employer, government, or pension, recurring weekly, biweekly, monthly, or twice per month, and keep it for at least 1 year after account-opening month.
Senior
CIBC Smart™ Account – Smart for Seniors
Open a CIBC Smart Account – Smart for Seniors. Within 60 days, set up and execute recurring direct deposit(s) of at least $500 from employer, government, or pension, recurring weekly, biweekly, monthly, or twice per month, and keep it for at least 1 year after account-opening month.
Everyone Else / Age 25+
CIBC Smart™ Account
Canadian resident, age of majority in your province or territory, age 25 or older. Open your first new CIBC Smart Account and within 60 days set up and execute recurring direct deposit(s) of at least $500 from employer, government, or pension.
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