[CIBC] (STUDENT) Smart Start Chequing Acct $125 Cash + $100 Skip gift card and 1yr Skip+

Ages 0-24

The Skip gift card terms now say “Unless otherwise indicated, this Offer cannot be combined with any other chequing account offer, reward or rebate.” so YMMV on stacking with the referral bonus, that has now been lowered to $50.

Same rules as last time;
– Have not held/jointly held account since Jan 1, 2022
– Complete 5 Visa debit purchases by Jan 31, 2026 for Skip GC – To be paid no later than May 31, 2026
– Complete 5 Visa debit purchases within the same calendar month within 2 months of account opening for $125 cash – To be paid within 7 months of account opening – Explicitly mentioned that it CAN be stacked with other promos…

Refer a friend (YMMV on stacking this with the Skip promo)
https://www.cibc.com/en/special-offers/ … riend.html
Requirements for referral program
Deposit at least $100 into the account.
Complete five (5) Visa Debit purchases.
Keep the account open, active and in good standing at the time of incentive payout.

Great to see that they removed the stupid PAD/DD requirement for students. I don’t know what kind of 13 year old has an employer with direct deposit or bills to pay with pre-auth debit…

Under age of majority people CANNOT refer , but they can be referred. So silly.
Sign up for an adult account first to refer if you like , or ensure person referring you has an adult account.

Refer payments are not paid out until after 60 days. You can call telephone banking to see which accounts are linked to yours for refer bonus though.

Youth aged 14+ can also get a free SPC card

Will add more detailed terms in thread summary.

Statistics: Posted by Zakaria2328 — Nov 20th, 2025 10:50 pm