Financial hardship assistance

No. The bank values our client relationships and wants to take every opportunity to help clients, so there are no charges or fees.

Your credit reporting may be affected by missing a payment. Depending on the option chosen, special comments may be added to identify your situation. 

No. Although most borrowers seeking a payment assistance option are delinquent, that's not always the case. Payment assistance options are available at any stage of delinquency or emerging delinquency. 

A CIBC Bank USA representative will provide additional details on the forms that will need to be completed to apply for options. Contact the Client Support Center at 877-448-6500 Opens your phone app. or us.onlinesupport@cibc.com Opens your email app. for details.

We’ll contact you within 30 days of receiving all your eligibility documentation. 

The U.S. Department of Housing and Urban Development (HUD) is a federal agency focused on increasing homeownership. For a list of HUD-approved credit counseling agencies, please call 1-800-569-4287 Opens your phone app..

Credit counseling agencies are available for customers that have multiple debts, including debts that are not related to CIBC Bank USA. Contact the National Foundation for Credit Counseling (NFCC) at 1-800-388-2227 Opens your phone app. for more information. The Consumer Financial Bureau Opens a new window in your browser. also provides various tools for your financial wellbeing at every stage.