For more information
Learn about all of the features and benefits your
CIBC Bank USA Smart Account has to oer at
us.cibc.com/smartaccount
1
Your account will be closed if no deposits are made to the account within 12 months from the date the account is opened.
2
Debit card transaction limits are: $1,500 ATM cash withdrawal per day and $2,500 for Point of Sale transactions per day.
3
Cheques must be drawn on a US financial institution and in US dollars.
4
You can use your CIBC Bank USA debit card to make withdrawals from your CIBC Bank USA Smart Account at other ATM machines as long as they are in one of the
networks listed on the back of your debit card. The ATM owner or operator may charge a fee when you use an ATM not owned by CIBC Bank USA or CIBC.
5
Transactions will be posted to your account in US dollars, currency conversion fees will apply. The ATM owner or operator may charge a fee when you use an ATM
not owned by CIBC Bank USA or CIBC.
6
Please note that currency conversion fees apply to all non-US dollar transactions conducted at ATM machines in Canada using your CIBC Bank USA debit card.
7
There are daily limits to the dollar amount of transactions that may be made using Zelle
®
. You are considered a "New User" if you have been enrolled in Zelle
®
for less than
60 days. Transactions initiated by a New User may not exceed $500 per transaction or $500 per day. We reserve the right to change the transaction limits at any time
without notice to you. All transfer limits are subject to temporary reductions to protect your Account. Zelle
®
is not available on Android tablet.
8
Text message alerts cannot be sent to Canadian mobile phone numbers.
9
Only US dollar cheques drawn on a US 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. Please consult the CIBC Bank USA Mobile Banking End User Terms Agreement for complete details on mobile cheque deposit limits.
10
US dollar cheques drawn from US financial institutions can be deposited into your account by mailing them to: CIBC Bank USA, Attn: Client Support 6825 West 111th Street
Worth, Illinois 60482. Please ensure that you endorse the cheque payable to your CIBC Bank USA account and include your account number on the back.
All monetary values stated in this document are in US dollars.
CIBC Bank USA Smart Account in person transactions can be conducted at CIBC Banking Centres in the US but not at CIBC Banking Centres in Canada. Account fees and
other terms and restrictions apply to this account. See us.cibc.com for more information. CIBC products and services are not available for this account.
CIBC Bank USA is a wholly owned subsidiary of CIBC. 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. More information and tools to determine US federal deposit insurance coverage
can be obtained from the FDIC website at fdic.gov or by calling 1 877 ASK-FDIC or 1 800 925-4618 for the hearing impaired. Our Client Support Centre Specialists can also
provide you with information about federal deposit insurance coverage on your account.
®
Apple logo and “App Store” are trademarks of Apple Inc., registered in the US and other countries.
Android
TM
is a trademark of Google Inc.
“Google Play” and the “Get It On Google Play” badge are trademarks of Google Inc.
*
Trademark of Visa Int., used under license.
®
Cirrus is a registered trademark of Cirrus Systems, LLC and used pursuant to license.
®
Mastercard is a registered trademark of Mastercard International Incorporated.
TM
CIBC Bank USA Smart Account is a trademark of CIBC, used under license.
The CIBC logo is a registered trademark of CIBC. All other trademarks are owned by CIBC or their respective owners.
CIBC Bank USA Smart Account is serviced in English only.
7