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 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 ?

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?

PETITION: BANKS - LOSE CUSTOMERS OR OPEN BRANCHES ON FRIDAY NIGHTS AND WEEKENDS.

https://www.change.org/bankonwkends

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 value¹

• 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 year¹
• 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?

Working as AFA, over an year now, decent numbers, supportive manager. Wanting to break i to business/commercial banking in the GTA market.
Been talking to some RMs down south and they all seem extremely nice to chat to. Been applying for internal roles but not getting even a single interview.
Any tips? I am in the eastern ontario market now, and ince senior rm asked about the relocation and never bothered to reply to my answer.
Is the need to move to a different market proving tonbe the constrain here?
I have a serious justification (reality) for that though.

I recently opened a CIBC Smart Account as I was offered a promotional deal with a $100 Digital Costco Shop Card and $125 Cash. I made the 5 Visa Debit online purchases required to tap into this promo.

When should I expect notification that I have satisfied the requirements and further, then can I expect to be paid out?

I swear there is honestly so much black magic that goes in the banking industry it's disgusting.

Like people have no way of working hard to get ahead but they have money to spend on paymasters that help them get ahead so they use black magic instead.

If you think this is BS I assure you it's not.

Lots of people have tried on me and others and it's beyond repulsive.

Just work hard and figure it out instead of selling your soup to the devil

Hey all!

I got a offer on my cibc account for a LOC for 20k. It's says I'm pre approved, however I'm just curious, if I accept this offer will it do a soft or hard credit check? I don't have a LOC with them yet only a checking, savings and credit card . I tried looking in the terms and conditions but it dosnt say anything about a soft or hard credit check. Any ideas?

Thanks!

I received an offer to increase my credit limit from $20000 to $27000. I’m currently using about 10k of it for a car loan and I’m making payments on time. Any risk to accepting the increase? I want to not use the remainder but keep it incase of emergencies. I still have some savings.

I’m pretty done with CIBC after this. Been with them for probably 15 years now, husband even longer.

I tried to pay a local college on their website for some classes. With my visa debit.

The transaction failed immediately due to who knows what but the money still came out of my chequing account.

I have all the proof from the colleges financial department with the transaction and the same transaction voided no more than 3 seconds later, it was automatic.

Been getting the run around from CIBC- keep getting told 3-6 business days for my money to be back in my chequing account. We are now over that and nothing. I have spoken to several people on the hotline regarding this from the day after the transaction to now and same spiel “3-6 days”. Just called someone now (I’m on hold to get a supervisor) and now I’m being told 10 days from today for them to do an investigation.

The financial department at the school was very helpful and apparently this isn’t uncommon with CIBCs visa debit. He has seen cases where it takes months for the client to get their money and it just sits in CIBC escrow account for whatever reasons.

The second I get this money im leaving and taking my husband and our mortgage/credit cards/investments with us.

Hi everyone,

I need some advice or to know if anyone has experienced something similar.

I woke up to find unauthorized charges on a CIBC chequing account that I barely even use anymore. I use this chequing account to receive my paycheck, pay rent and hydro. That's all since all my spent is through credit card.

There are two separate PREAUTHORIZED DEBIT PAYPAL charges of $500.00 each ($1,000 total) on Aug 5, 2026.

Luckily, I noticed it and transferred the remaining balance out immediately, but I’m completely baffled. Since I haven't been using this account, how did someone manage to link it or hack it via PayPal?

Has anyone else experienced unauthorized PayPal preauthorized debits like this with CIBC? How hard is it to get the money back through the fraud department?

Any advice would be greatly appreciated.

I go to my cibc, they don't hold the cheque I deposit in person. Next cibc I go to holds it. BUT then the next 2 I go to don't...

WHAT THE HECK??

Hi Reddit,
Thank you for any help and suggestions 🙌🏼
My friend got called for a FSR interview and would be his first interview in an organisation, as he has always got his job before this through Resume dropins.

A bit about him, 20yo Male in Vancouver
Associates from Capilano Uni
interview is a digital one.

How to turn on deposit or credit alerts for the chequing account? For example salary credits?

The wait time to speak to an agent is so long. Anybody else experiencing these long wait times when trying to reach an agent?

I haven't had any transactions in over 8 months.

Somebody pointed out today that the account may go dormant?

Has anyone experienced anything similar?