{"id":892353,"date":"2020-12-03T14:04:16","date_gmt":"2020-12-03T19:04:16","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=892353"},"modified":"2026-09-07T06:54:47","modified_gmt":"2026-09-07T10:54:47","slug":"cibc-smart-for-seniors-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/chequing-accounts\/cibc-chequing\/cibc-smart-for-seniors-account-review","title":{"rendered":"CIBC Smart for Seniors Account review"},"content":{"rendered":"<p class=\"p1\">The CIBC Smart for Seniors Account is a low-cost account that offers flexible spending. It features a discount on the monthly fee for individuals who are 65 years of age or older. Seniors considering this chequing account should be wary of fees for other banking services.<\/p><h3>30-second take<\/h3><ul class=\"list-1\"><li class=\"p1\">Get a discount on the monthly fee and enjoy several free banking services.<\/li><\/ul><ul class=\"list-12\"><li class=\"p1\">Fees may apply on some banking services.<\/li><\/ul><ul class=\"list-2\"><li class=\"p1\">There is no minimum income requirement to be eligible for this account.<\/li><\/ul><h3>What are the benefits of the CIBC Smart for Seniors Account?<\/h3><p class=\"p1\">CIBC offers special perks for seniors using their chequing accounts. Consider the CIBC Smart for Seniors Account benefits below:<\/p><ul class=\"list-4\"><li class=\"p1\"><strong>Free Interac e-Transfers.<\/strong> Send Interac e-Transfers without having to pay the $1.50 fee.<\/li><li class=\"p1\"><strong>Flexibility with spending.<\/strong> Users only pay for transactions they incur, and there is an option for unlimited transactions.<\/li><li class=\"p1\"><strong>No monthly fees.<\/strong> Seniors pay no monthly fee.<\/li><li class=\"p1\"><strong>Complimentary banking services.<\/strong> Bank drafts and money orders are free for seniors with a CIBC Smart for Seniors Account.<\/li><li class=\"p1\"><strong>Safety deposit box discount.<\/strong> Seniors receive a $5 discount on the annual rental fee for a safety deposit box.<\/li><\/ul><h3>What should I look out for?<\/h3><p class=\"p1\">CIBC Smart for Seniors Account users should be mindful of the following:<\/p><ul class=\"list-13\"><li class=\"p1\"><strong>Hidden fees.<\/strong> If you wish to use other banking services, such as stop payments, global money transfers and overdraft protection, fees may apply.<\/li><\/ul><h3>Compare chequing accounts<\/h3><script id=\"toppicks-datalayer\">\n  window.dataLayerState = [{\"TopPicksData_cardCategory\":\"Earn Interest\",\"TopPicksData_providerLabel\":\"EQ Bank\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":1},{\"TopPicksData_cardCategory\":\"Sign-up Offer\",\"TopPicksData_providerLabel\":\"BMO\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"true\",\"TopPicksData_position\":2},{\"TopPicksData_cardCategory\":\"Big Five Bank\",\"TopPicksData_providerLabel\":\"Scotiabank\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"true\",\"TopPicksData_position\":3}];\n<\/script>\n\n  <script>\n    window.rewardsConfigs = window.rewardsConfigs || {};\n          window.rewardsConfigs[\"bmo|chq|sep-2026~cafsa\"] = {\"startDate\":\"2026-09-02T13:00:00.000Z\",\"endDate\":\"2026-10-31T19:30:09.000Z\",\"showVisaLogo\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Open a <b>BMO Performance Chequing Account<\\\/b> online through Finder and receive a <b>$175 digital Visa card + earn up to $900<\\\/b> in welcome bonuses from BMO. 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0 0 0-.047.047c.005.215.058.432.18.61.262.385.697.368.88-.075.13-.318.063-.762-.153-1.027m1.722-.242c-.176-.217-.443-.306-.665-.118a.046.046 0 0 0-.002.068.3.3 0 0 1 .09.135.28.28 0 0 1-.283.36.047.047 0 0 0-.048.048c.006.214.058.43.18.61.263.384.698.367.88-.076.131-.318.063-.761-.152-1.027\"><\/path><\/g><defs><radialgradient id=\"tpc-top-picks-0000000000\" cx=\"0\" cy=\"0\" r=\"1\" gradienttransform=\"rotate(187.994 21.05 10.723)scale(4.25594 5.99724)\" gradientunits=\"userSpaceOnUse\"><stop offset=\".4\" stop-color=\"#edeef8\"><\/stop><stop offset=\".45\" stop-color=\"#f5f2e1\"><\/stop><stop offset=\".5\" stop-color=\"#f9cbd3\"><\/stop><stop offset=\".6\" stop-color=\"#dcecf6\"><\/stop><stop offset=\".7\" stop-color=\"#cac5fe\"><\/stop><stop offset=\".9\" stop-color=\"#cbe9f3\"><\/stop><stop offset=\"1\" stop-color=\"#f9e9d0\"><\/stop><\/radialgradient><lineargradient id=\"tpb-top-picks-0000000000\" x1=\"25.202\" x2=\"36.743\" y1=\"2.566\" y2=\"9.19\" gradientunits=\"userSpaceOnUse\"><stop offset=\".18\" stop-color=\"#ffd23b\"><\/stop><stop offset=\".24\" stop-color=\"#ffd835\"><\/stop><stop offset=\".29\" stop-color=\"#feda3d\"><\/stop><stop offset=\".36\" stop-color=\"#fee053\"><\/stop><stop offset=\".45\" stop-color=\"#feea77\"><\/stop><stop offset=\".55\" stop-color=\"#fdf7a9\"><\/stop><stop offset=\".6\" stop-color=\"#fdffc4\"><\/stop><stop offset=\".62\" stop-color=\"#fdf8ac\"><\/stop><stop offset=\".65\" stop-color=\"#fdee88\"><\/stop><stop offset=\".68\" stop-color=\"#fee669\"><\/stop><stop offset=\".71\" stop-color=\"#fee052\"><\/stop><stop offset=\".75\" stop-color=\"#fedb41\"><\/stop><stop offset=\".79\" stop-color=\"#fed838\"><\/stop><stop offset=\".84\" stop-color=\"#ffd835\"><\/stop><stop offset=\".9\" stop-color=\"#ffd23b\"><\/stop><\/lineargradient><clippath id=\"tpa-top-picks-0000000000\"><rect width=\"40\" height=\"25.225\" y=\"5.567\" fill=\"#fff\" rx=\"1.616\" transform=\"rotate(-8 0 5.567)\"><\/rect><\/clippath><\/defs><\/symbol><\/defs><\/svg>\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Earn Interest<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/banking\/eq-bank-review\/eq-bank-personal-account-review\" class=\"topPicks__productName\">EQ Bank Personal Account<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg\" srcset=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg\" class=\"topPicks__image\" alt=\"EQ Bank logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/eqbank-personal-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22provider_id%22%3A%225e5bd9bf-b394-4422-97dc-7e9052c4f642%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2222475%22%2C%22post_id%22%3A%22892353%22%2C%22post_path%22%3A%22chequing-accounts%252Fcibc-chequing%252Fcibc-smart-for-seniors-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn 2.75% interest for 12 months<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No monthly account fee<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Free ATM withdrawals across Canada<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No transaction fees<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No e-Transfer fees<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFSA-CHQ\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-provider-id=\"17ec4faf-007c-4695-8db1-58ffc0fdcac9\" data-product-name=\"BMO Performance Chequing Account\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|chq|sep-2026~cafsa\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Sign-up Offer<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/bmo-chequing\/bmo-performance-chequing-account-review\" class=\"topPicks__productName\">BMO Performance Chequing Account<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png\" class=\"topPicks__image\" alt=\"BMO logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/finder-x-bmo-performance-chequing-account-promotion\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$175<\/text><\/svg><span>$175 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/bmo-performance-chequing-account-review-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22provider_id%22%3A%2217ec4faf-007c-4695-8db1-58ffc0fdcac9%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2222439%22%2C%22post_id%22%3A%22892353%22%2C%22post_path%22%3A%22chequing-accounts%252Fcibc-chequing%252Fcibc-smart-for-seniors-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn a $900 welcome bonus<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Unlimited free transactions<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$0 Interac e-Transfers<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Monthly fee waived on $4,000+ balance<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFSA-CHQ\" data-product-id=\"34e22551-d045-4451-8495-3962ed302fb2\" data-provider-id=\"2237afce-e1d0-48c8-91bf-b10ba8201a29\" data-product-name=\"Scotiabank Preferred Package\" data-provider-name=\"Scotiabank\" data-rewards-campaign-name=\"scotiabank|preferred|sep-2026~cafsa\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Big Five Bank<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/scotiabank-chequing\/scotiabank-preferred-package-review\" class=\"topPicks__productName\">Scotiabank Preferred Package<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png\" class=\"topPicks__image\" alt=\"Scotiabank logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/scotiabank-preferred-package-account-promotion\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$100<\/text><\/svg><span>$100 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/scotiabank-preferred-package-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%2234e22551-d045-4451-8495-3962ed302fb2%22%2C%22product_name%22%3A%22Scotiabank%2BPreferred%2BPackage%22%2C%22provider_id%22%3A%222237afce-e1d0-48c8-91bf-b10ba8201a29%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2224036%22%2C%22post_id%22%3A%22892353%22%2C%22post_path%22%3A%22chequing-accounts%252Fcibc-chequing%252Fcibc-smart-for-seniors-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-scotiabank-chequing-account-reward-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn a $1,000 bonus<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Earn up to 0.90% interest on qualifying savings accounts<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Unlimited free transactions<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$0 Interac e-Transfers<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$16.95 monthly fee waived on $4,000+ balances<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<h3>CIBC\u2019s ATM network and fees<\/h3><p class=\"p1\">Seniors can easily access CIBC ATMs since there are more than 1,000 locations across Canada. Account holders can access debit and credit account balances and view recent transactions using CIBC ATMs. If you require other currencies, some ATMs located in travel hubs allow you to withdraw foreign currency, including US dollars and euros.<\/p><p class=\"p1\">Withdrawals from CIBC ATMs are free. Non-CIBC <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/atm-near-me\">ATM withdrawals in Canada<\/a> cost $2 per transaction. ATM withdrawals in the US cost $3 each plus a 2.5% administrative fee. Outside of Canada and the US, ATM withdrawals cost $5 each plus a 2.5% administrative fee.<\/p><h3>What other senior banking options does CIBC offer?<\/h3><h4 class=\"p1\">CIBC has two other special offers for seniors:<\/h4><ul class=\"list-10\"><li class=\"p1\"><strong>Smart Plus for Seniors.<\/strong> CIBC offers discounts for seniors on the Smart Plus Account as well. After the $4.95 discount, the monthly fee is $25. Transactions are unlimited and non-CIBC ATM withdrawals are free internationally.<\/li><li class=\"p1\"><strong>Premium Growth Account for Seniors.<\/strong> Grow your savings at 0.01% on every dollar with this account. Users benefit from two free transactions per month and no monthly fee.<\/li><\/ul><h3>How do I open a CIBC Smart for Seniors Account?<\/h3><ol><li class=\"p1\">From CIBC\u2019s website, click Bank Accounts, then Seniors under Offers and Bundles.<\/li><li class=\"p1\">Scroll down to CIBC Smart Account and click Apply now.<\/li><li class=\"p1\">Provide CIBC with the necessary information, including your full name, date of birth, address, residential status and contact information. After entering each piece of information, click Next.<\/li><li class=\"p1\">Indicate how you intend to use the Smart for Seniors Account. Click Next.<\/li><li class=\"p1\">Review the information you entered and click Next.<\/li><\/ol><h4 class=\"p1\">Eligibility<\/h4><p class=\"p1\">To be eligible for the CIBC Smart for Seniors Accountt, you must meet the following criteria:<\/p><ul class=\"list-7\"><li class=\"p1\">Be a Canadian resident<\/li><li class=\"p1\">Be 65 years of age or older<\/li><li class=\"p1\">Reside at a valid Canadian, residential address<\/li><\/ul><h4>Required information<\/h4><p class=\"p1\">During the application process, you will be asked to provide the following information:<\/p><ul class=\"list-7\"><li class=\"p1\">Full name<\/li><li class=\"p1\">Date of birth<\/li><li class=\"p1\">Address, residential status and length of time at that residence<\/li><li class=\"p1\">Phone number<\/li><li class=\"p1\">Email address<\/li><li class=\"p1\">Employment status<\/li><li class=\"p1\">The same information for a co-applicant, if applicable<\/li><\/ul><h3>How do I deposit or withdraw my money?<\/h3><p class=\"p1\">Seniors can bank with CIBC via their computer, mobile, telephone, a physical branch, CIBC ATM or non-CIBC ATM. Cash deposits can only be performed at a CIBC ATM or branch. Cheques can be deposited at home using the Internet, a branch or an ATM. Withdrawing money can be done at a branch or ATM using your debit card.<\/p><h3>Expert review<\/h3><p class=\"p1\">Seniors seeking a flexible chequing account to suit their varying spending needs will benefit from the CIBC Smart for Seniors Account. Those wanting a daily banking account with more features and services should research <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\" rel=\"noopener noreferrer\">other chequing account options<\/a>.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How do I locate a CIBC branch or ATM? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">You can find a branch or ATM location using <a href=\"https:\/\/locations.cibc.com\/search?locale=en_CA\" target=\"_blank\" rel=\"noopener noreferrer\">CIBC\u2019s locator tool<\/a>. To find a location near you, enter your address or postal code. The locator tool also provides telephone numbers, fax numbers, hours of operation, available services, branch transit numbers and accessibility options.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">I forgot my PIN, what do I do? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you have a CIBC debit card and you forgot your PIN, visit a CIBC branch. To reset your PIN, you\u2019ll be asked to provide two pieces of valid identification, ideally with a photo.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What can I deposit at an envelope-free ATM? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Envelope-free ATMs accept all Canadian and US cash, cheques, money orders and bank drafts. Keep in mind that Canadian and US currency must be deposited separately. Coins are not accepted at envelope-free ATMs.<\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Seniors seeking a flexible chequing account to suit their varying spending needs will benefit from the CIBC Smart for Seniors account.<\/p>\n","protected":false},"author":986,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"CIBC Smart for Seniors Account","_yoast_wpseo_title":"CIBC Smart for Seniors Account Review | Finder Canada","_yoast_wpseo_metadesc":"The CIBC Smart for Seniors account is an optimal choice for seniors seeking a low cost and flexible chequing account. 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