July 29, 2021


Works for new Smart or Smart Plus Account, get $300 (in 7 months) if within the first 2 months, you set up and maintain 2 of the following:

1 recurring direct depositLearn about direct deposits. Opens in a dialog.
2 recurring pre-authorized debitsLearn about pre-authorized debits. Opens in a dialog.
2 online bill payments of $50 or more each

I think the best combination is the Smart Plus Account + Visa Infinite Cash Back. If you keep a minimum $6k balance in the chequing account after the first year (which is now free), there would be:
no fee on the chequing account ($29.95/m),
no fee on chequing transactions,
no fee on the premium VISA Infinite card ($120/ year) – you also get 10% cash back on the first $2k spent within 4 months!
no fee on companion VISA card ($30/year).
if you link any of your bank card / VISA, you also get 3c/L off where Journie is accepted (Pioneer, Ultramar, Chevron)

VISA card here: … -card.html

† Offer begins on February 5, 2021, at 12:01 am ET and ends on July 29, 2021, at 11:59 pm ET. Offer available to Canadian residents who have reached the age of majority and who are not holders or joint holders of a CIBC chequing account. To qualify, open a CIBC Smart™ Account or CIBC Smart™ Plus Account and provide your email address. Within 2 months of opening the account, complete 2 of the following 3 activities: (i) at least 1 recurring direct deposit; (ii) at least 2 different recurring pre-authorized debits; (iii) at least 2 online bill payments of at least $50 each. The direct deposit and the pre-authorized debit must remain in effect for at least 2 consecutive months. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated. The cash reward will be deposited into your account seven (7) months after you have opened the account. Other conditions apply; review the terms and conditions (PDF, 135 KB) Opens in a new window..

‡ Offer only open to Canadian residents who are not holders or joint holders of a CIBC chequing account.

To qualify, open a CIBC Smart Account and provide your email address. Within 3 months of opening the account, set up and complete on a recurring basis each month 1 eligible direct deposit OR 2 different eligible pre-authorized debits (each, a “Qualifying Action”). The monthly fee will be rebated for the month in which the account is opened and for the next 3 months.

If at least 1 Qualifying Action is completed each month for the subsequent 9 months following the first 3 months after the account was opened, the monthly account fee will be rebated for each month in which the Qualifying Action occurs. The monthly account fee will apply for each month where no Qualifying Action occurs and at the end of the offer period without further notice. Other service fees continue to apply as set out in the Personal Account Service Fees brochure (PDF, 195 KB) Opens in a new window..

For details, review the CIBC Smart Account Fee Rebate Terms and Conditions (PDF, 95 KB) Opens in a new window..

1 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage® Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking®, CIBC Mobile Banking®, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. “CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (rebated for CIBC Smart Plus Accounts except the 2.5% administration fee on the converted amount of foreign currency ATM withdrawals), wire payments, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Advantage® for Youth, CIBC Smart™ for Students, CIBC Smart™ for Seniors (on the CIBC Smart Account) and CIBC Advantage® for Students (on the CIBC Everyday® Chequing Account) and transactions in foreign currency (including cheques written in currencies other than the account currency).

For a description of transactions that are included in the CIBC Smart Account monthly fee and everyday banking fees for other Personal Bank Accounts and Services, review the Personal Account Service Fees brochure (PDF, 195 KB) Opens in a new window..

2 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee. Maximum dollar amount applies for Interac e-Transfer transactions.

3 Visa* Debit transactions are any transactions which can be done online, by phone or by mail at participating retailers or at stores in the U.S. and internationally wherever Visa is accepted.

4 You will save three cents ($0.03) per litre at the time of your purchase if you present your Journie Rewards card or app and use your linked CIBC card to pay. Available at participating locations on any grade of gasoline or diesel up to 100 litres per transaction. To get the discount, you must be enrolled in and use CIBC Online Banking or the CIBC Mobile Banking® App to link your eligible CIBC card(s) to Journie Rewards. Card linking may take up to two (2) business days. Please visit for full program term and conditions.

Participating locations include select retail Chevron, Pioneer or Ultramar branded gas stations in Canada. For a full list of participating stations, visit Journie RewardsOpens in a new window..

™ All of Journie Rewards trademarks are owned by Parkland Fuel Corporation.

™ All of Pioneer’s trademarks are owned by Parkland Fuel Corporation; Pioneer Energy is a licensed user of those trademarks.

Ultramar is a registered trademark of Valero Energy Inc., used under license.

CHEVRON is a registered trademark of Chevron Intellectual Property LLC, used under license.

5 All Paymi rewards are provided by Paymi and not CIBC. Paymi terms and conditions apply, visit www.paymi.comOpens in a new window.. Paymi cash back rewards can only be earned on eligible cards and offer related purchases with the payment card(s) linked to your account, or by clicking through the link to a merchant website as directed in Paymi’s member offer web and app pages. Read the information on all offers in Paymi’s member offer web and app pages for full details on cash back eligibility. Eligible card details found at . Offer related purchases are purchases made in response to a merchant offer made to you via the Paymi platform. The purchases must be made within the offer period specified on Paymi’s member offer web and app pages to be eligible for cash rewards. Offers expire at midnight on the offer end date specified. If an offer related purchase is canceled or returned for a full refund, the incentive rewarded will be deducted. If a portion of the offer related purchase is returned, the incentive awarded will be reduced proportionately in relation to the return amount of the purchase. Redemption of the cash back rewards is facilitated through through Interac e-Transfer.

Paymi is owned and operated by Integrated Rewards Inc