There’s no minimum amount, but you must make a deposit within 12 months of account opening.

There are 6 ways to deposit money into your account:

• Transfer funds between your CIBC accounts through CIBC Online or Mobile Banking. There’s no fee to transfer money and the funds are immediately available in your account 
• Set up direct deposits, such as US dollar payroll from a US organization
• Deposit cash or US dollar checks at CIBC Bank USA ATMs
• Deposit US dollar checks using remote check deposit on the CIBC US mobile banking app
• Send wire transfers from other financial institutions
• Mail US dollar checks. On the back of the check, sign your name and write the number of the account you want to deposit the check into. Then mail to:

FCIBC Bank USA
Attn: Client Support 
6825 West 111th Street
Worth, Illinois 60482

Checks must be in US dollars and from a US financial institution.

Contact the other organization. You need to provide your account number and the CIBC Bank USA routing number 071006486.

No. You can use the CIBC US mobile banking app to deposit US dollar checks drawn on US financial institutions into your account.

Yes. Only U.S. dollar cheques drawn on a U.S. financial institution can be deposited. If you use the cheque deposit function on the mobile app, there are limits to how much you can deposit. For complete details on mobile cheque deposit limits, consult the CIBC Bank USA Mobile Banking End User Terms Agreement Opens in a new window..

For more help, call the CIBC Bank USA Client Support Center at Opens your phone app.877-448-6500 Opens your phone app..

Deposits made before 2 p.m. CT are available the next day. Deposits made after 2 p.m. CT are available in two days.

There are several reasons we might decline your remote check deposit.

Only U.S. dollar cheques drawn on a U.S. financial institution can be deposited. If you use the cheque deposit function on the mobile app, there are limits to how much you can deposit. For complete details on mobile cheque deposit limits, consult the CIBC Bank USA Mobile Banking End User Terms Agreement Opens in a new window..

For more help, call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

Yes, the CIBC US mobile banking app is available for both iOS and Android.

You can use the app to pay bills, make person-to-person transfers, make remote check deposits and monitor your transactions.

You’re automatically registered for CIBC NetBanking when you open a CIBC Bank USA Smart Account. You can start making transactions once your account is available in CIBC NetBanking.

To access your CIBC Bank USA Smart Account, sign on to CIBC NetBanking with the user ID and password you chose in your account application.

Your account may be inactive. To find out the status of your account, call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

To get your user ID, call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

To reset your password, sign on to CIBC NetBanking and follow the prompts on the login screen.

Only your CIBC Bank USA Smart Account and your CIBC Bank USA cross-border mortgages are displayed on the My Accounts page.

Your other CIBC Bank USA accounts are displayed in CIBC NetBanking.

Sign up for eStatements in CIBC NetBanking. They’re available online for 19 months.

Protect your online security:

• Don’t share your debit card number or passwords with a party or website other than CIBC
• Don’t save your debit card number or password on any publicly accessed computer

Protect your online security:

• Keep your browser up-to-date with current versions and security enhancements
• Install a personal firewall
• Avoid file-sharing sites to prevent unauthorized access to your computer and its data
• Avoid selecting unknown links or going to unfamiliar websites
• When you choose passwords, use combinations of letters and numbers that are difficult to guess

For more information, go to our Privacy and Security Policy Opens in a new window..

You can request a debit card during the application process. Once your application is approved, you will receive it in the mail within 10-14 business days. To request a debit card after you open your account, call the CIBC Bank USA Client Support Centre at 877-448-6500 Opens your phone app..

Yes. You can withdraw Canadian dollars at ATMs in Canada and make point-of-sale transactions.

Transactions are posted to your account in US dollars. Foreign exchange fees may apply.

With your debit card you can:

• Make point-of-sale transactions at US merchants
• Make online transactions using your debit card number and the 3-digit security code on the back of the card
• Withdraw cash from US ATMs
• Get cash back when making point-of-sale transactions, where merchants offer this service

There are three ways to get cash using your CIBC Bank USA Smart Account debit card:

• Withdraw cash from CIBC Bank USA and any ATM with the MasterCard, STAR or NYCE logos
• Get cash back when making point-of-sale debit card transactions, where merchants offer this service
• Withdraw cash at CIBC Bank USA Banking Centers

Your CIBC Bank USA Smart Account has debit card purchase limits. Debit card transaction limits are $1,500 USD per day for ATM cash withdrawal and $2,500 USD per day for Point-of-Sale transactions. Limits are subject to change from time to time without notice. To discuss limit options, call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

Yes. Use your CIBC Bank USA debit card to withdraw local currencies at ATM networks listed on the back of your card. Transactions are posted to your account in US dollars. Foreign exchange fees may apply.

Call CIBC Bank USA Automated Telephone Banking at 877-825-5554 Opens your phone app.. It’s available 24 hours a day.

To change your PIN, choose option 1, followed by option 3. Enter your debit card number and your current PIN. Then, select option 2 to add a new PIN.

Call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

Call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

Register to pay bills online by signing on to CIBC NetBanking. On the main menu, go to the Pay and Transfer tab and select “Bill Payments.”

We’ll send you an email confirmation when the registration is complete, usually in 1 to 2 business days.

With CIBC NetBanking and the CIBC US mobile banking app, you can make online payments to any US company with a US billing address. You can make both one time and recurring payments.

The routing number is 071006486.

You can only make cross-currency transactions in real time due to fluctuating exchange rates.

No, you cannot pay your CIBC US Dollar Aventura Gold Visa Card from your CIBC Bank USA Smart Account through CIBC NetBanking or the US mobile app. However, you can pay your bill from your CIBC Canadian dollar accounts or your CIBC US$ Personal Account through CIBC Online or Mobile Banking.

ACH is an electronic network for financial transactions. It lets you make automatic online bill payments. It’s faster and more convenient than writing checks.

With ACH, you can set up regular payments for your insurance premiums, mortgage loans and other US bills.

To set up an ACH payment, contact our Client Support Center at 877-448-6500 Opens your phone app..

Zelle is a fast, easy way to send, request or receive money from your CIBC Bank USA account. To get started:

1. Sign on to the CIBC US Mobile Banking® app.
2. In the main menu, select “Send money with Zelle®
3. Enroll with your email address or US mobile number

For more information, visit our Zelle webpage Opens in a new window..

No, Zelle® is not available on CIBC NetBanking and Android tablets. It is available on mobile, including iPhone, Android OS and iPads.

Apple Pay is an easy and secure way to make transactions using an iPhone®, iPad® or Apple Watch® device.

It lets you add credit and debit cards to the Wallet app on your device. Wherever merchants offer this service, you can use Apple Pay at contactless terminals in-store or in-app without using your physical card.

You can add up to 8 cards to Apple Pay, and add the same card on more than one device.

You can use Apple Pay at participating retailers around the world. Data charges and foreign transaction fees may apply. Check your wireless plan for details.

No, CIBC Bank USA doesn’t charge a fee for transactions using Apple Pay. But, they do count towards your monthly transactions.

Your mobile service provider, Apple or other third parties may charge you service fees for using your device or Apple Pay.

Add your credit or debit card to Apple Pay in 3 simple steps.

For an iPhone:

• Open the Wallet app
• Tap the plus symbol
• To add a CIBC card from your iTunes account, enter your card’s security code. To add another card, select “Add a different card” and use your camera to scan the card, or enter the information manually

For Apple Watch:

• Open the Apple Watch app on your iPhone
• Select “Wallet & Apple Pay,” then “Add credit or debit card”
• To add a CIBC card from your iTunes account, enter your card’s security code. To add another card, select “Add a different card” and use your camera to scan the card, or enter the information manually

For an iPad:

• Open Settings
• Select “Wallet & Apple Pay,” then “Add credit or debit card”
• Enter your card from your iTunes account. To add another card, select “Add a different card” and use your camera to scan the card, or enter the information manually

For five digits of US zip code, you can simply enter the three numbers from your postal code followed by two zeros. For example, if your postal code is M1X9A2, enter 19200.

You can transfer money between your CIBC Canadian bank accounts and your CIBC Bank USA Smart Account. Just sign on to CIBC Online or Mobile Banking. The transaction limit is $50,000. The funds you transfer are available immediately.

If you haven’t made transactions in more than 12 months, your account may not be active. To reactivate your account, call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

Yes, you can transfer money through CIBC NetBanking.

To send a wire transfer, call the call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

To receive a wire transfer, give the sender your account number and routing number 071006486. You don’t need to take any other action.

The current foreign exchange rate is available when you transfer money. Find it on the transfer verification screen, where you review and accept the transfer.

If there has been a system error, your funds should appear in your account within 2 business days. If the funds don’t appear in 2 business days, call CIBC Telephone Banking at 800-465-2422 Opens your phone app..

You can’t undo the transaction, but you can make another transfer to fix the mistake. Because foreign exchange rates change, you may not get the same amount on the second transfer.

To start an investigation about an unauthorized, unrecognized or incorrect electronic fund transfer, call the CIBC Bank USA Client Support Center at 877-448-6500 Opens your phone app..

For the complete list of fees, review the CIBC Bank USA Smart Account Agreements and Disclosures (PDF, 735 KB) Opens in a new window..

There are no fees to use a CIBC Bank USA ATM in the US or any CIBC ATM in Canada.

CIBC Bank USA doesn’t charge fees to use ATMs operated by other institutions. But, the owner of the machine may charge fees.

With your CIBC Bank USA Smart Account, you’ll be refunded for up to 4 non-CIBC Bank USA ATM transactions each month, up to $20.