Worst experience i have ever had here in Canada with CIBC bank. I can see money in my account, but cannot withdraw it. What to do in emergency? Also, you'll need to keep an eye on your statement orelse bank will withdraw money. Then call customer care and wait in a long queue, waste your time, request them to get Your money back in your account. Wow, so you have to beg to get YOUR own hard earned money. Amazing! Also, I was planning to open an account for my husband, but now i won't.