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- Student Hub
- Banking for Canadian Students in the U.S.
Student banking
Are you a Canadian attending school in the United States? Check out products to access your funds on both sides of the border.
U.S. banking benefits for students
Shop like a local in the U.S.
Use your CIBC Bank USA debit card or CIBC US Dollar credit card to make purchases in-store, online or with Apple Pay®.
Move your money easily
Transfer funds in real time between your Canadian and U.S. dollar accounts.1
Get cash in the U.S.
Withdraw U.S. dollars from your CIBC Bank USA Smart Account at ATMs in the U.S. without CIBC Bank USA ATM surcharge fees.2
Ready to start banking in the U.S.?
Easily apply online for a U.S. dollar account and credit card.
U.S. chequing
CIBC Bank USA Smart Account™
Withdraw U.S. cash and enjoy easy U.S. cross-border banking with no monthly transaction fees.3
Pay no monthly transaction fees
Enjoy no monthly fee for unlimited transactions.3
Bank when you like
Shop at your favourite U.S. retailers and pay your U.S bills in U.S dollars anytime.
Transfer money easily
Send and receive U.S. funds with Zelle® for free. Pay rent, split bills or gift money directly between U.S. accounts using the CIBC U.S. Mobile Banking app.4
Apply now for the CIBC Bank USA Smart Account. Opens in a new window. Learn more about the CIBC Bank USA Smart Account. Opens in a dialog.
U.S. Savings
CIBC US$ Personal Account
Save and grow your U.S. dollars. Use your CIBC Advantage Debit Card with this account.
Save money for tuition
Save your U.S. funds without converting currencies.
Earn interest on every dollar saved5
Your interest is calculated daily and paid monthly.
Access your U.S. funds quickly and easily
Write U.S. dollar cheques and withdraw U.S. funds in Canada from any banking centre or CIBC U.S. currency ATM.
Apply now for the CIBC US$ Personal Account. Opens in a new window. Learn more about the CIBC US$ Personal Account.
Special offer
Earn up to 2,500 Aventura® Points† and get an annual fee rebate for the first year†
Travel Credit Card
CIBC U.S. Dollar Aventura® Gold Visa* Card
Shop in U.S. dollars and earn rewards on everyday U.S. purchases.6
Earn 1 Aventura Point for every $2 you spend6
Making every purchase a step closer to your next great adventure.
Make the most of your new card
Your online and in-store purchases are charged and paid for in USD, this means you can shop without worrying about currency rate fluctuations.
No currency conversion fees for USD purchases7
We're simplifying your shopping experience and keeping it hassle-free.
Apply now for the CIBC U.S. Dollar Aventura Gold Visa Card. Opens in a new window. Learn more about the CIBC U.S. Dollar Aventura Gold Visa Card.
Make the most of your U.S. dollar products.
Transfer funds in real time
Makereal-timecross-bordertransfers between yourCanada-basedaccounts and the CIBC Bank USA Smart Account™.
Online banking
Bank your way
Do all your everyday U.S. banking such as bill payments and transfers through Canadian and U.S. online and mobile banking.8
Learn more about CIBC Online and Mobile banking.
Zelle®
Send free Zelle®4 transfers
Transfer money to people you know in the U.S. from your CIBC Bank USA Smart Account. It’s fast, easy and free4!
Learn more about sending transfers with Zelle.
Apple Pay™
Make easy purchases
Pay with your CIBC Bank USA debit card and CIBC U.S. dollar credit card using your Apple® device.
Learn more about how to use Apple Pay.
U.S. student banking FAQ
Ready to apply?
Call us: 1-800-465-4653 Opens your phone app.
Contact an advisor Opens in a new window.
Financial advice for students
4 Steps to tackle student debt and save for other goals
Read article (3 minutes)
Budget like a boss
Read article (4 minutes)
A crash course on credit
Read article (3 minutes)
CIBC is a proud member of the Canadian Deposit Insurance Corporation (CDIC)
CIBC Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC).
