r/CIBC

I have a bank account with CIBC and I am a dual Canadian-Irish citizen. I recently moved to Ireland and CIBC put a fraud notice on my account which means I cannot access my funds.

I called the fruad department and went through the verification process and they told me the only way to remove the block on the account is to come into the branch? But this means flying back to canada just to do this which seems insane. I am not sure why it got locked in the first place but the idea of flying 16 hours and spending $1-2k just to go into a branch to show my ID is frustrating.

Has anyone else experienced this and found any success any other ways to verify? Can I go to the consulate in dublin or something?

Came across a post that CIBC is opening a “Global Capability Centre” overseas. This is basically a back office centre to offshore operations and customer service roles..

Won’t mention where this is being opened as that isn’t relevant and will lead to racist remarks, but suffice to say, this is going to lead to job losses and downturn in standard of service.

​

Hi everyone,

I completed my final round of interview with CIBC last Thursday. I wanted to check how long CIBC usually takes to provide interview feedback after the final round.

Has anyone recently gone through the CIBC hiring process and can share their experience? How many days did it take to hear back?

Thanks

I have all the alerts turned on in CIBC app, and for my credit card I always get notifications, emails, sms right away. But for Chequing account deposit/witbdrawals, I never get a notification ever since I opened the account. Is there any way to enable it, or is this just how it is?

For anyone who went from a CIBC co-op/internship to a full-time role after graduation, what did the salary jump look like?
I’m mainly curious about roles like Business Analyst, Data Analyst, BSA etc., in tech and business side.
If you’re comfortable sharing:
What was your co-op salary/hourly rate?
What was your new-grad full-time base salary?
What level were you hired at?
Was there a bonus, and roughly what %?
Did you convert directly from your co-op team or come back to CIBC later?
How much room was there to negotiate?
Just trying to get a realistic idea of what co-op → new-grad compensation typically looks like at CIBC. Thanks!

Hi so I opened up a Smart Start account a couple months ago and want to get the free SPC+ membership that they offer before university starts. But for some reason after I click the register for SPC+ on the CIBC website it never updates on my SPC account. Anyone know if I'm doing something wrong ?

Hi everyone, I have a question about BMO. I’m in a managerial-level position in T&O, but I’m frustrated with my leadership. I was hired as a manager but have never actually been given managerial responsibilities — I’ve been an individual contributor for almost three years now, and I’m done with it. Before looking externally, I know BMO pays well compared to other banks, so I’d rather try to find a role internally first. How does an internal transfer actually work? Do I just apply, interview with the hiring manager, and that’s it? Where does my current leadership come into play — what if they don’t want to release me? Do they have to give positive feedback before a transfer can go through? I don’t fully understand the process or the politics behind it — can someone explain?

NOTE: Posting it here in RBC sub as there is no dedicated BMO subreddit, very few members there.. thought of asking from peeps here who have previously been in BMO and know the process there..

and I’ve been holding for an hour. We have an alternate card for things, but it’s still an extremely frustrating experience. There should be a way to handle this sort of thing in app. That’s my rant.

Hi all,

My wife and I recently moved home to Ireland with our newborn son after spending 7 amazing years in Canada.

Prior to the move, we tested out doing a wire transfer from our CIBC accounts to our Revolut accounts. These failed and were returned as the account number was our IBANs with the letters removed instead of the full IBAN as required when transferring to Europe. The bank teller claimed it was our mistake as we reviewed and approved the details beforehand and didn't flag that they had removed the letters. I was checking what information I knew about, which was our personal details, and I guess I naively assumed the bank teller would ​​understand the banking nuances of transferring to Europe.

Due to the error, the transfers never went through and we waited as long as we could before we had to transfer the remainder of our funds as we were due to fly home the following morning. We discovered the above mistake during these final wire transfers.

These final transfers are where we lost the amount in the title. The most important point I repeatedly echod was that the funds must remain in CAD and were not to be converted. This was also repeated to the branch manager. My final wire transfer reached my revolut account successfully in CAD whereas my wives substantially higher transfer amount was converted by the intermediary Bank while on route to her revolut account. This conversion resulted in a $5,000 fee.

I immediately emailed the bank manager as he gave me his card in case anything went wrong again. His response was that the funds left CIBC as CAD and that they have no control over what the intermediary Bank does with our funds, so if they performed a transfer that resulted in extra charges, we were out of luck.

I cannot accept this to be true. How can a charge that large be taken without my approval or even an understanding that it might occur and that CIBC had no control over it? This was information that should have been highlighted.

Sorry for the long post, we are both unemployed, with a newborn baby, trying to settle into a new country, and didn't expect this big of a financial hit when transferring our money out of CIBC.

Is there anything I can do or am I out of luck? ​​

I was honestly so thrilled when I paid off my Visa balance last month because, for the first time in a long time, I was able to fully pay the amount due on my credit card. I’ve been in a bad financial situation for years and have been paying the purchase interest this whole time.

My due date was the 4th, and I transferred the full amount from my CIBC chequing account on the 3rd specifically so there would be no excuse for a late payment. Since it was coming from my CIBC account, I also assumed the payment would be processed quickly.

But nope. They still charged me purchase interest on the 7th.

The payment was credited to my credit card on the due date, so I’m honestly pissed that I’m being charged interest anyway. And, of course, CIBC makes it ridiculously difficult to dispute something like this through the mobile app—you have to schedule a call just to get someone to look into it.

I’m in a much better financial situation now, thankfully, and I’ve set up automatic payments for my CIBC credit cards so I don’t have to deal with this again.

For anyone who uses CIBC: Do you have autopay set up, and have you still been charged purchase interest even when the payment was made on time?

I recently opened a Canadian saving account (CAD), a Canadian USD saving account in Canada and USD personal smart accounts(USA)

I tried to pay my Aeroplan credit card using a simple transfer, it doesn't work and the credit card does not appear

If I use the bill payment method it will trigger transaction fees

I tried to add an external account to my usd personal saving account, but it doesn't work either

So money goes one way to CIBC and can not be used ?

So I'm having a really weird issue with my CIBC debit card and I'm wondering if anyone else has experienced this.

My debit card has literally never worked for purchases since the day I got it. I can use it perfectly fine both online and at CIBC ATMs and even third-party ATMs, but whenever I try to use it to actually buy something in a store, it doesn't work.

At first I figured maybe there was something wrong with the chip, so I went into a CIBC branch and got a replacement card.

I followed the instructions they gave me for activating it. I went to a store, entered my correct PIN three times, and instead of activating/working, the terminal came back with "PIN limit exceeded." I've tried this at multiple different stores as well.

Now I'm completely confused because I know I'm entering the correct PIN, and the card is brand new. The fact that it works at ATMs but refuses to work for purchases makes even less sense.

Has anyone dealt with this before? Is there some kind of separate debit card/PIN activation issue that could cause this?

I called CIBC today 14-Aug-2026 and asked CIBC if there online bank systemprovides last log on and time and it appears to be no.

Can anyone confirm if the CIBC bank provides a last log in date and time?

I saw a message when I logged into investors edge that fractional shares is now available for select ETFs, but I can't find anything on CIBC's website.

Has anyone seen it?

Hi!
I’m really loving this community and appreciate all of the advice that is provided on here, I’m looking for some advice please.
I am hoping to get a credit card from my bank but was a bit disappointed to hear that i may not be approved at this time due to collections accounts on my report.

Here’s my financial background:
Income: $96K
Report background; working for current company for over 4.5 years, credit history 16 years,
3 collections all paid, last one paid May of this year, 0 late payments
1 hard inquiry
1 missed payment in February with a creditor that’s now paid off
Have a current credit card capital one rewards with $1000 limit, just obtained in March and currently not eligible for an increase.
Car loan: 17,000 left -payments up to date
Student loans $42,000 left - payments up to date

Score on Equifax: 612
Score on Transunion: 686

What are your thoughts on whether or not I should go ahead and try to apply for a credit card with my bank or perhaps another bank? The only other bank I have is tangerine. I don’t do anything on there besides savings.

Felt a bit discouraged but I’d like to start good history and I’ve worked so so hard to get certain things removed from report and to get debt under control but I’d love to have a bank credit card.

What are your thoughts?

Already sent the follow up email the week after my interview with no response.

Aeroplan sent me an email regarding an offer that they have on the CIBC Visa Aeroplan Infinite which is basically to:

"Apply and earn up to $1,300 in value^(†, 1)
Earn up to 50,000 Aeroplan^(®) points (up to $1,000 in travel value^(1)

• 10,000 Aeroplan points when you make your first purchase^(†)
• 15,000 Aeroplan points when you spend $6,000 or more during the first 6 monthly statement periods^(†)
• 25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases posted on your account during the first 12 monthly statement periods^(†)
• Enjoy a free first checked bag: a $140 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year^(1)
• Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value"

what I'm wondering is if this applies to applying for the new card completely, or if switching your credit card would be applicable as well?

Does anyone know how long the background check process takes, and if they notify you if it’s done?