Overview / Commentary
120 South LaSalle Street
Chicago, IL 60603

CIBC Bank USA is headquartered in CHICAGO and is the 3rd largest bank in the state of Illinois. It is also the 45th largest bank in the nation. It was established in 1991 and as of June of 2023, it had grown to 2,187 employees at 24 locations. CIBC Bank USA's savings rates are 10X the national average, and it has an A health rating.

Related Posts

CIBC Bank Offers $250 or $500 Bonus on Agility Savings Account - 11/6/2023

CIBC Bank is offering a $250 or $500 bonus for new money deposits of $25k or $50k held for 90 days in a new or existing CIBC Agility Savings account.

Agility Savings: Up To $500 Bonus For $50K Deposit - 11/2/2023

$25K or $50K held between 12/19 through 3/19 with new money qualifies for the bonus of either $250 or $500. Approximately a 9% APR for a 3 month deposit. I received this as an email notice today so it is possibly a targeted offer.

CIBC Bank USA Ups 12-Month Agility CD APY To Near Rate Leading Level - 5/25/2023

CIBC Bank USA has increase the rate on its nationally available 12-month Agility CD to a near rate-leading level. $1k minimum/$5m maximum deposit.

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Quickly Becoming One Of My Favorite Hub Banks

I opened my CIBC Agility savings in summer of 2020 at the height of the pandemic when they offered a $400 sign on bonus. I opened the account only for the bonus and did not have high expectations for the account. The rates throughout the pandemic were above average, but not top tier and I kept low amounts in the account throughout that time.

Since the rates have began to rise in 2022 I have been pleased with their willingness to frequently raise their rates and stay competitive. Further more, I am very pleased that they allow 20 linked accounts via ACH, which is almost unheard of these days. I have had no holds or transfer problems at all with this bank like I have constantly had with Ally, Macrus, Syncrony and others.

There are only a few minor things I am not a fan of, one being the $125K daily transfer limit and $250K Monthly limit. However it is 250K in/250K out, so the monthly movement limit is 500K. They also just implemented a total of 500K maximum balance on the Agility account, but if you have above that before Sept 28th, you are grandfathered in until your balance drops below $500K for the first time, then it applies to you also. These are minor inconveniences however, still pretty generous transfer limits compared to many others.

Although they do not pay the absolute highest rate out there, the combination of 20+ ACH links, acceptably high transfer limits and quick, no-nonsense transfers gives this bank an A+ in my book, and that is a rare occurrence with maybe only Citizens Access being tied for 1st place in my eyes (if they could keep their rates up with CIBC).

Been Fine So Far.

Posted by: |

I got this account early this year for a bonus on their Agility Savings account. They paid it right on time and I've kept the account because they've done a good job of keeping a top/competitive rate so far.

It was easy to set up. They've been helpful whenever I've had to call.

I think the daily limits I see online in comment sections are wrong.

Their app is severely limited. You can't do external transfers, no fingerprint sensor login, it doesn't even show the current savings rate. So for transfers, you have to use their website (it's OK, like something you may have used 5-10 years ago), and it always takes me 10 minutes to figure out how to login even from their site.

Need More Reviews

Posted by: |

While shopping for a bank I came across this one recommended in some comment sections for savings, hub etc.

Not alot of reviews here so I went to trust pilot dot com for cibc and saw over 864 Check out those comments and the agility requirements which are not federal requirements but made up bank policies such as tapping into your credit report, specific ids and other info etc.

This is in regard to savings and cd only not lines of credit credit cards checking or any such items you are giving them money not the reverse.

Research first and carefully check their website you'll be glad you did.

Holding My Funds Not Allowing Me To Transfer.. Horrible

Posted by: |

I hold CIBC USA account, and I am trying to move $2000 to my own BOA account.. but this horrible people have blocked my account for no reason .. I am talking to them for last 1 week... customer support say.. That they have contacted the relevant department which blocked .. by EMAIL.. and I am bloody waiting for days now.... today they said its long weekend on Tuesday they might reach out to me... they were saying this for long now... there is urgent need to send money to my loved ones and I am unable to transfer my money from CIBC USA..
if anything worst happens to my family i will be suing CIBC for this horrible sevice



Health Grade Components

FDIC Certificate #33306
Year Established1991
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.66%
Return on Equity - YTD10.11%
Annual Interest Income$1.47B
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$51.47B$47.74B
LoansQ2 2023vs Q2 2022$33.64B$31.50B
DepositsQ2 2023vs Q2 2022$40.03B$38.19B
Equity CapitalQ2 2023vs Q2 2022$8.68B$7.94B
Loan Loss AllowanceQ2 2023vs Q2 2022$470.3MM$369.7MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$246.5MM$188.1MM
Real Estate OwnedQ2 2023vs Q2 2022$0$173.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CIBC Bank USA Savings Account Rates

5.01%-$500kCIBC Agility Savings - Online Only

CIBC Bank USA Checking Account Rates

0.10%$10k-myChoice Prestige Checking
0.05%--myChoice Plus Checking

CIBC Bank USA CD Rates

5.66%$1k$5m12 Month Agility CD - Online Only
5.52%$1k$1m13 Month CD Special - In-branch
5.52%$100k$1m13 Month Jumbo CD Special - In-branch
5.26%$1k$5m18 Month Agility CD - Online Only
5.11%$1k$5m9 Month Agility CD - Online Only
4.80%*$25k*$5m24 Month Agility CD - Online Only
OTHER TIERS: 4.75% $1k - $25k
4.25%*$25k*$5m30 Month Agility CD - Online Only
OTHER TIERS: 4.20% $1k - $25k


5.52%$1k$1m13 Month IRA Special - In-branch
5.52%$100k$1m13 Month Jumbo IRA Special - In-branch


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