The gift: $100 gift card and no fees for 12 months
  • Deadline for account sign up: February 26, 2021

  • Smart Account: $0 monthly fee for the first 3 months, provided you sign up with your email. Then set up 1 direct deposit or two pre-authorized payments each month and you’ll have the fees waived for the next 9 months. After 12 months ends, keep $3000 or more in the account and the monthly fees are waived. The cost is $4.95 if you don’t keep the minimum. For up to 12 transactions (then $1.25 after that) and for unlimited transactions, it is $14.95/month.

  • The ask: Sign up for a Smart Account and give CIBC your email address. You get 3 months free (no minimum balance required) and set up 1 recurring direct deposit or 2 recurring pre-authorized debits. You’ll get your $100 gift card emailed to you after the first six months of the Smart Account sign up.

  • The downside: This seems pretty straightforward and it is $3000 minimum balance to waive the fee but you also have to have 1 recurring direct deposit or 2 pre-authorized debits each month.

For more information, here’s the link to the CIBC Smart Account information.

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