Available nationwide, CIBC Bank Savings is offering an amazing 4.61% APY Rate. Continue reading below to learn everything you need to know about CIBC Bank.
Update 9/24/25: The rate has decreased to 4.61% APY from 5.01%.
About CIBC Bank Savings
CIBC Bank a financial institution that provides cross-border services to clients in North America. They are originally backed by a Toronto-based financial institution that is now located in Chicago.
I’ll review CIBC Bank Savings below.
| Balance Requirement | APY Rate |
| $0.01+ to $1M | 4.61% APY |
CIBC Bank Savings Rate
- Interest Rate: 4.61% APY
- Account Type: Agility Savings account
- Availability: Nationwide
- Minimum Balance: $0.01
- Maximum Balance: $1M
- Credit Inquiry: Unknown
- Opening Deposit: Minimum opening deposit is $1000, but cannot exceed $250,000.
- Monthly Fee: None
- Early Termination Fee: $25 early closure fee, if account is closed with 90 days of opening. If they don’t receive your initial deposit within 30 days after your Account has been established, they’ll close your Account.
(Visit CIBC to learn more)
CIBC Bank ACH Capabilities & Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | 1-2 business days | $125K | $250K | None |
| Pull | 1-2 business days | $125K | $250K | None |
Editor’s Note: You get unlimited number of linked external accounts are permitted. ACH deposits have no hold time, but there is a 10 business day hold time for check deposits.
How to Earn CIBC Bank Rate
- Open a Savings account from CIBC Bank with an opening deposit of $1,000.
- Maintain any balance amount and earn the 4.61% APY rate.
Why You Should Sign Up For This Account
- Easy online access
- High Interest
- No monthly service fees
CIBC Bank Savings Up to $500 Bonus (Expired)
New and existing clients: Get up to $500 bonus in your Agility Savings account. Direct Link to Offer
How to earn bonus:
- Deposit new funds in your Agility Savings account
- $250 bonus – The New Money you deposited from an external bank during the Funding Period was between $25,000 and $49,999.99 (“Tier 1”), and you maintained at least $25,000 in New Money until 11:59 p.m. ET on March 18, 2024.
- $500 bonus – The New Money you deposited from an external bank during the Funding Period was $50,000 or more (“Tier 2”), and you maintained at least
- Keep in your account for a minimum of 90 days
- Receive a cash bonus. If you fulfill the offer requirements outlined above, CIBC Bank USA will deposit the bonus into your CIBC Agility Savings account no later than May 17, 2024.
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Bottom Line
Check out CIBC Bank and open a Savings account this amazing rate! The fact that you can earn a high rate on any balance makes this Savings Account all worthwhile.
Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
For more bank offers, see the complete list of Best Bank Rates!
Let us know about your experience with this bank and comment below.
Check back often to see the latest info on CIBC Bank Savings Account.
I have the daily transfer limit is 125000 daily and the monthly limit is 250000.
Well, i tried to transfer into my agility account $50k and $100k and both transfers were scheduled on their website so seemed all set and next day got emails saying both separate transfers failed because they exceeded the transfer daily limit. This is an existing account opened 3 months ago and trying to transfer money to them! Then i could not find on their crappy website the daily maximum amount so tried to call but it was 8 pm so closed. pretty lame