1 The Account Features listed below for each Account Level apply for each Qualification Cycle in which you meet the Combined Relationship Balance requirements in Related Accounts at CIBC Bank USA. A Qualification Cycle is the period from the third to last business day of the previous month to the fourth to last business day of the current month.
2 Related Accounts are new or existing Bank consumer checking, money market, savings or CD accounts (excluding CIBC Palladian Savings accounts and CDARS accounts) offered by CIBC Bank USA, and CIBC Bank USA consumer loan accounts (excluding consumer residential mortgage loans) where the primary myChoice checking account holder is the primary account holder or borrower.
3 The Combined Relationship Balance for Related Accounts for each Qualification Cycle is calculated based on the average balance in deposit Related Accounts (except certificates of deposit) at CIBC Bank USA and the balance of in certificate of deposit Related Accounts and outstanding principal balance on loan Related Accounts on the last business day of the Qualification Cycle.
4 You must be enrolled in CIBC NetBanking and have a supported Mobile Banking device to use Mobile Banking and the Mobile Banking remote deposit feature. Please see Mobile Banking terms and conditions for further information. Message and data rates may apply. Contact your wireless carrier for details.
5 Account maintenance fee of $15.00. The fee is reduced to $12.00 if you elect to receive electronic statements through CIBC NetBanking instead of paper statements.
6 Bank foreign ATM fees and fees at non-proprietary ATMs (ATMs not owned by the Bank) charged to your account will be reimbursed up to the stated limits at the end of each statement cycle.
7 Benefit determined based on the current Qualification Cycle
8 Interest rate bonus applies to consumer deposit Related Accounts of the primary myChoice checking account holder. It applies to new or existing variable interest rate bearing checking, money market, and savings accounts at the time the account is opened and new certificates of deposits. Bonus does not apply to accounts with a promotional interest rate.
9 Annual fee waived for new Bank home equity line of credit for primary myChoice checking account holder based on reward level at time that originating line where account holder is primary borrower. Line of credit subject to credit approval.
10 Annual fee waived for new Bank overdraft lines of credit for primary myChoice checking account holder based on the reward level at time that originating line where account holder is primary borrower. Line of credit subject to credit approval.
11 Overdraft fees charged to your account will be reimbursed up to the stated limits at the end of each statement cycle.