I was forced to use CIBC as a former Capital One Costco card holder. I have had to wait on hold for 2 hours each day, spoken with 3 different representatives and the problem of not being able to register for online banking (on the app and through a browser with no VPN) continues. I keep getting the message, information is incorrect but yet, all my information is available over the phone and is correct with CIBC. I can't even get my statements any longer!!!!