CIBC Bank USA is a full-service retail and commercial bank. It offers cross-border banking solutions with the new CIBC Bank USA Smart Account.
For information about other products and services, contact your CIBC Financial Advisor.
Yes. The CIBC Bank USA Smart Account offers convenient and flexible banking. It helps meet our clients’ cross-border banking needs whenever and wherever they are in the U.S.
CIBC Bank USA products and services are available in English only.
The CIBC Bank USA Smart Account lets you:
Bank wherever you are, with complete online and mobile banking services
Pay U.S. bills online, including U.S. credit cards
Write U.S. dollar checks
Deposit U.S. dollar checks with the CIBC US Mobile Banking® App, at CIBC Bank USA ATMs and at banking centers in the U.S.
Use your CIBC Bank USA debit card to make online and in-store transactions with U.S. vendors
Withdraw cash from U.S. ATMs
Set up U.S. payroll check deposits
Make person-to-person payments in U.S. dollars
There’s no minimum amount, but you must make a deposit within 12 months of account opening.
Yes, 2 people can share a joint account and enjoy the same privileges.
The CIBC Bank USA Smart Account isn’t available for business clients.
To learn about other cross-border banking solutions, contact your CIBC Business and Commercial Banking Advisor in Canada.
To open a CIBC Bank USA Smart Account, you must confirm:
You’re a CIBC client with a current personal bank account or a personal line of credit in good standing
You have access to CIBC Online Banking®
You’re at least 18 years old
You have a current passport or a U.S. driver’s license
You don't need a U.S. address or Social Security Number to open an account.
No, you can only apply online.
We’ll review and confirm your application within 3 business days. If you haven’t heard from us after 3 business days, call the CIBC Bank USA Client Support Center at 877-448-6500.
Once approved, your account is active. You can access your account through CIBC NetBanking® or the CIBC US Mobile Banking App.
You can also check your account balance and transfer funds between your CIBC accounts and your CIBC Bank USA Smart Account in CIBC Online or Mobile Banking®.
Your taxable status in the U.S. doesn’t change simply by opening an account.
Access your account through CIBC and CIBC Bank USA.
CIBC Online Banking and the CIBC Mobile Banking App:
Sign on using your Canadian card number and password. After you sign on, you can check your account balance and transfer funds between your CIBC accounts and your CIBC Bank USA Smart Account.
CIBC NetBanking and the CIBC US Mobile Banking App:
Sign on with the user ID and password you chose in your account application. After you sign on, you can view account details and make everyday banking transactions.
Sign on to CIBC Online Banking using your card number and password. Find your account number on the My Accounts page.
Call the CIBC Bank USA Client Support Center at 877-448-6500.
When your CIBC Bank USA Smart Account is open and active, it’s automatically linked to your other CIBC bank accounts.
Just sign on to CIBC Online Banking using your card number and password.
To change your phone number, email address and mailing address, sign on to CIBC NetBanking.
To change your name or other personal information, call the CIBC Bank USA Client Support Center at 877-448-6500.
Personal information isn’t linked between CIBC and CIBC Bank USA. Contact both banks to update your personal information.
To make account holder changes, call the CIBC Bank USA Client Support Center at 877-448-6500.
The maximum monthly fee for the CIBC Bank USA Smart Account is $14.95. In addition, the account will automatically refunded up to 4 non-CIBC Bank USA ATM fees per month, up to a maximum of $20.
Also, if you get paper statements, you pay $2.25 more per month. To switch from paper statements to eStatements, sign on to CIBC NetBanking.
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.
Digital banking
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.
Sign up for eStatements in CIBC NetBanking. They’re available online for 19 months.
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.
Download the app:
No. You can use the CIBC US Mobile Banking App to deposit U.S. dollar checks drawn on U.S. financial institutions into your account.
Yes. The limits on mobile check deposits are $5,000 per item and per day, and $10,000 every 14 days.
Deposits made before 2 p.m. CT are available the next day. Deposits made after 2 p.m. CT are available in 2 days.
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.
There are several reasons we might decline your remote check deposit:
Remote check deposit isn’t available for the first 30 days from account opening
The check wasn’t in U.S. dollars or wasn’t from a U.S. financial institution
You may have exceeded the remote check deposit limit of $10,000 in a 14-day period
The check may have exceeded the remote check deposit limit of $5,000
You may have exceeded the $5,000 daily limit
For more help, call the CIBC Bank USA Client Support Center at 877-448-6500.
To get your user ID, call the CIBC Bank USA Client Support Center at 877-448-6500.
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.
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.
Request a debit card during the online application process.
To request a debit card after you open your account, call the CIBC Bank USA Client Support Center at 877-448-6500.
Call CIBC Bank USA Automated Telephone Banking at 877-825-5554. 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.
With your debit card you can:
Make point-of-sale transactions at U.S. merchants
Make online transactions using your debit card number and the 3-digit security code on the back of the card
Withdraw cash from U.S. ATMs
Get cash back when making point-of-sale transactions, where merchants offer this service
Yes. You can withdraw Canadian dollars at ATMs in Canada and make point-of-sale transactions.
Transactions are posted to your account in U.S. dollars. Foreign exchange fees may apply.
There are no fees to use a CIBC Bank USA ATM in the U.S. 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.
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.
Your CIBC Bank USA Smart Account has debit card purchase limits. To discuss limit options, call the CIBC Bank USA Client Support Center at 877-448-6500.
Call the CIBC Bank USA Client Support Center at 877-448-6500.
Call the CIBC Bank USA Client Support Center at 877-448-6500.
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 U.S. dollar payroll from a U.S. organization
Deposit cash or U.S. dollar checks at CIBC Bank USA ATMs
Deposit U.S. dollar checks using remote check deposit on the CIBC US Mobile Banking App
Send wire transfers from other financial institutions
Mail U.S. 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:
CIBC Bank USA Attn: Client Support 6825 West 111th Street Worth, Illinois 60482
Checks must be in U.S. dollars and from a U.S. financial institution.
There are 3 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
Contact the other organization. You need to provide your account number and the CIBC Bank USA routing number 071006486.
Call the CIBC Bank USA Client Support Center at 877-448-6500.
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.
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
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.
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 U.S. company with a U.S. billing address. You can make both one time and recurring payments.
People Pay is CIBC Bank USA person-to-person payment. It’s a fast and secure way to send money online, without the need for cash or checks. You just need an email address.
People Pay lets you send money to anyone in the U.S. with a U.S. address. You or the recipient can receive money in one of 3 ways:
Deliver to a bank account in 1 to 3 days via ACH (Automated Clearing House)
Deliver instantly to a PayPal account
Deliver by mailed check
Register for People Pay online by signing on to CIBC NetBanking. On the main menu, go to the Pay and Transfer tab and select “People Pay.”
We’ll send you an email confirmation when you’re registered, usually in 1 to 2 business days.
The routing number is 071006486.
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 U.S. bills.
To set up an ACH payment, contact our Client Support Center at 877-448-6500.
Pay your bill from either your CIBC Canadian dollar accounts or your CIBC US$ Personal Account.
You can only make cross-currency transactions in real time due to fluctuating exchange rates.
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.
Yes, you can transfer money through CIBC NetBanking.
To send a wire transfer, call the CIBC Bank USA Client Support Center at 877-448-6500.
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.
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.
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.
CIBC Bank USA is an affiliate of CIBC. Our U.S. headquarters are located in Chicago and our banking centers are mainly in the Midwest.
CIBC Bank USA is a U.S. bank and deposits are insured by the FDIC, up to the applicable limits. We leverage the 150-year experience and global presence of CIBC to bring our clients unparalleled capabilities.
No. For information on CIBC U.S. dollar credit cards, go to cibc.com
Your deposits at CIBC Bank USA are insured up to the applicable limits under the Federal Deposit Insurance Corporation (FDIC) insurance coverage rules, based on the category of account ownership.
For more information and tools to determine federal deposit insurance coverage, go to FDIC or call 877-ASK-FDIC or 800-925-4618 for the hearing impaired.
CIBC Bank USA Client Support Center Specialists can also provide information about federal deposit insurance coverage on your account. Call us at 877-448-6500.
By selecting Canada as your region, you will leave the CIBC USA Region site and enter a site of an affiliated CIBC entity. CIBC affiliates may have a different privacy policy. Affiliates are responsible for the products, services, and content on their sites. Any deposit accounts or products that may be offered by affiliates of CIBC Bank USA, which are not FDIC Members, will not be FDIC insured.
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