As others have stated, the app is horribly outdated and lacking basic features. To give one example of many, you cannot initiate a transfer to an external account through the app, you must sign in through a web browser. Its also very buggy — I tried to transfer funds between my two CIBC accounts in the app, but it complained that I could not transfer funds between accounts that did not have a previously established transfer relationship. I logged in on my phone’s web browser though and had absolutely no issues completing the transfer. I really like the bank and services, but the app experience should be incredibly embarrassing for CIBC.
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