CIBC Referral - Get $75 Cash

What you need to qualify for this bonus

• Must not have previously held (or jointly held) a CIBC Smart Account at any time
• Must open the account using the referral link — no other referral method qualifies
• Must be an individual (not a business)
• Smart Start / Smart for Students: deposit at least $100 and complete 5 Visa Debit purchases within 60 days of account opening
• Smart Account for Newcomers: maintain an average daily balance above $0 for 60 days, deposit at least $100, and set up at least one recurring direct deposit or pre-authorized debit (weekly, biweekly, monthly, or twice per month) within 60 days
• CIBC Smart Account / Smart for Seniors / Smart for Apprentices: set up and execute at least one recurring direct deposit of $500 or more from an employer, government, or pension (weekly, biweekly, monthly, or twice per month) within 60 days
• Account must remain open, active, and in good standing at the time the reward is paid out

Why choose CIBC

• One of Canada's Big Five banks — trusted and widely accessible
• Multiple Smart Account variants for students, newcomers, seniors, and apprentices
• Access to thousands of CIBC ATMs and branches across Canada
• Mobile and online banking with Interac e-Transfer included
• No monthly fee options available on select Smart Account types
• CDIC insured deposits
• Joint accounts are eligible for the referral program

The CIBC Smart Account referral program pays $75 cash to new account holders who open a qualifying Smart Account using a referral code or link and complete the required setup steps within 60 days. The reward is deposited directly into your CIBC account within 90 days of completing the qualifying actions. No minimum balance is required to keep the account open.

About CIBC

CIBC (Canadian Imperial Bank of Commerce) is one of Canada's Big Five banks, serving millions of personal, business, and commercial clients across Canada and internationally. CIBC offers a full suite of financial products including chequing and savings accounts, credit cards, mortgages, investments, and insurance. All CIBC deposits are insured by the Canada Deposit Insurance Corporation (CDIC).