† Cash reward offer begins on October 17, 2023, at 12:01 am ET. Offer available to Canadian residents, and international students, who meet the eligibility requirements for the CIBC Smart Start or CIBC Smart for Students benefit and, from 2021 to the time of opening the account, are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for this offer, open a CIBC Smart Account with Smart Start or Smart for Students benefits. Within 2 months after the month of opening the account, earn a $100 cash reward when you complete 5 Visa Debit purchases within the same calendar month. Eligibility of transactions will be determined by CIBC in its sole discretion. This offer can be combined with the CIBC Student Refer-a-Friend Program. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you have opened the account. Other conditions apply; review the terms and conditions (PDF, 130 KB) Opens in a new window.
You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning March 5, 2024.
If you apply and are approved for a new CIBC Dividend® Visa* Card for Students, you will receive a one-time $30 cash back on your first purchase made within the first 4 monthly statement periods.
Cash back is awarded at the end of the year as a credit on your December statement.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa* Card for Students are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques.
‡ Earn $50 each time a person you refer qualifies and receives their reward, up to $500 each year this offer is available between January 1 to December 31, for the first 10 people you refer each year that qualified and got their cash reward. To learn more, refer to the Referral Program Terms and Conditions (PDF, 115 KB) Opens in a new window.
◇ No purchase necessary. Open April 15, 2024 to June 30, 2024 to legal residents of Canada age 14 and older. Parental or legal guardian consent required for entrants under age of majority. 10 prizes available to be won, each consisting of $1,000. Receive one (1) automatic entry when you sign up for your first CIBC eAdvantage® Savings Account and hold an active SPC+ membership. Odds of winning depend on number of eligible entries received. Math skill-test required. For full rules, see Contest Rules and Regulations at SPC+ Opens in a new window.
1 NO PURCHASE NECESSARY. Open January 1, 2023 to December 31, 2023 to legal residents of Canada who are sixteen (16) years of age or older and are current students of an accredited Canadian university, college or secondary school. One (1) Grand Prize available to be won consisting of: one (1) cheque for $8,750 made payable to the winner; one (1) 1-year GIC for $8,750 opened in the winner’s name; one (1) 2-year GIC for $8,750 opened in the winner’s name, and one (1) 3-year GIC for $8,750 opened in the winner’s name. Odds of winning depend on number of eligible entries received. Math skill-testing question required. Full Contest Rules (PDF, 160 KB) Opens in a new window.
2 To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. A complete list of eligible CIBC products can be found at SPC and CIBC. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (30) years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product.
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3 Total value of up to $700 is calculated as follows: $11.99 for an SPC+ Membership + $203.40 fee waiver for unlimited transactions using a CIBC Smart™ Account + $200 in annual administrative fee waivers for a non-registered and a RRSP account at CIBC Investor’s Edge + assumes you make a Global Money Transfer of $25,000 or more for $300 back = Total Value of up to $715.39 per client.
4 A If approved, your account will be a temporary, no fee CIBC Smart Account, with restrictions for access and use. You have 12 months from the date your temporary account is opened to visit a CIBC Banking Centre in Canada and complete your CIBC Smart Arrival by transferring all funds in your temporary account to a new CIBC account. There are no fees for applying to CIBC Smart Arrival. However, there are fees applicable to the one time wire transfer to your temporary account, including an incoming wire payment fee. For more details, refer to the CIBC Smart Arrival Terms and Conditions (PDF, 170 KB) Opens in a new window. and the CIBC Personal Deposit Account Agreements and Disclosures (PDF, 1.5 MB) Opens in a new window.. Other banks may also charge a fee in connection with the one time wire transfer.
B You will only be permitted to make a single wire transfer into your temporary account. All other transactions are prohibited. Wire transfer, processing, and foreign exchange fees will apply. For more details, refer to the CIBC Smart Arrival Terms and Conditions (PDF, 170 KB) Opens in a new window. and the CIBC Personal Deposit Account Agreements and Disclosures (PDF, 1.5 MB) Opens in a new window.. Other banks may also charge a fee in connection with the wire transfer.
C You have 12 months from the date of opening the temporary account to visit a CIBC Banking Centre in Canada and complete your CIBC Smart Arrival by transferring all funds in your temporary account to a new CIBC account. The applicable fees on your new CIBC account will be disclosed to you at the time you open your new CIBC account. If, for any reason, your new CIBC account is not opened within 12 months, your temporary account will be automatically closed. Any funds in the temporary account will be returned to you via wire transfer to the same bank account that they originated from. Wire transfer, processing, and foreign exchange fees will apply. For more details, refer to the CIBC Smart Arrival Terms and Conditions (PDF, 170 KB) Opens in a new window. and the CIBC Personal Deposit Account Agreements and Disclosures (PDF, 1.5 MB) Opens in a new window.. Other banks may also charge a fee in connection with the wire transfer return. We suggest keeping your original bank account open to receive the returned funds.
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