Even though my CSR e-mailed me with the offer, I needed to phone/e-mail him accepting the offer. I didn't know this but I left a message with him anyway to say that I had made a deposit into my e-advantage account. He e-mailed back to say he will activate the offer and I would receive interest after a 48 hour period. So I didn't make any interest on those first 48 hours.

He also said that for the next 90 days I would receive the 4.5% on any new deposits i.e. not to worry about the March deadline.

Because I am so wary of them, I deposited another $1100 on 1st of April and will wait until end of Month to see if I indeed do receive that interest. I have a substantial amount of funds currently in Tangerine @3.75% until end of April. We'll see what CIBC does at that time with the extra $1100 before I transfer in the Tangerine funds.

Raining here. Hope everyone has a lovely Easter Weekend!!

It appears they did not give me interest for the 7 day hold on funds.
I had met with advisor in branch and gave him bank draft.
Am I not entitled to interest from day of deposit.?

So, is it 4.50% or 4.80% or both?

anitavirginia said
Targeted offer I think

*For new funds deposited into existing eAdvantage Savings Accounts with balances above $100,000 on or before Mar‍ch 2‍7, 2026, earn a total interest rate of 4.80% (which is made up of the 0.60% posted interest rate plus a 4.20% bonus interest rate) for 90 days following the date of deposit. For new funds deposited into existing eAdvantage Savings Accounts with balances equal to or below $100,000 on or before March 27, 2026, earn a total interest rate of 4.50% (which is made up of the 0.30% posted interest rate plus a 4.20% bonus interest rate) for 90 days following the date of deposit. Interest is calculated daily on each day’s full closing balance and paid monthly to the eAdvantage Savings Account. For deposits received after Mar‍ch 2‍7, 2026, only regular interest will continue to apply.  

Is this generally the case for all/other offer recipients that the bonus interest rate only applies for funds deposited on or before March 27, 2026?

anitavirginia said
in my case I went into branch and saw my advisor first,
he took photocopy of bank draft, and advised he would do whatever he had to do to activate the offer.
He then told me to go to teller and deposit bank draft.
That was Friday.
Now Tuesday, 1st attempt for chat online , stated they do not see an offer.
2nd attempt for chat online, different person, they stated they say they see notation that there is an offer, but no details available.
I emailed my advisor asking for confirmation and his response was,

"Offer for 4.8% is approved, will take some time to reflect the start/end date, will update soon.
The offer has a balance cap of $2,000,000."

I don't like the way they are not being clear about this transaction.
I hope the interest rate is effective the day I deposited funds. I am a bit worried.  

I know what you mean. Pretty confusing. According to my advisor, I will be earning a total of 4.6% for the 90 days. But now when I look up my e-savings it says
" you are now eligible for smart account interest which doesn't remotely seem like the same thing. Anybody else dealing with this?

"Offer for 4.8% is approved, will take some time to reflect the start/end date, will update soon.
The offer has a balance cap of $2,000,000."

I don't like the way they are not being clear about this transaction.
I hope the interest rate is effective the day I deposited funds. I am a bit worried.

anitavirginia said
Targeted offer I think

*For new funds deposited into existing eAdvantage Savings Accounts with balances above $100,000 on or before Mar‍ch 2‍7, 2026, earn a total interest rate of 4.80% (which is made up of the 0.60% posted interest rate plus a 4.20% bonus interest rate) for 90 days following the date of deposit. For new funds deposited into existing eAdvantage Savings Accounts with balances equal to or below $100,000 on or before March 27, 2026, earn a total interest rate of 4.50% (which is made up of the 0.30% posted interest rate plus a 4.20% bonus interest rate) for 90 days following the date of deposit. Interest is calculated daily on each day’s full closing balance and paid monthly to the eAdvantage Savings Account. For deposits received after Mar‍ch 2‍7, 2026, only regular interest will continue to apply.  

So I had some extra funds and deposited them via cheque directly into my CIBC e-advantage acc't on Saturday. Went to the teller to see if the bonus interest was attached to that account. She said it wasn't. So when I got home I e-mailed my CSR to ask if I would be receiving this interest. He got back that he will put in the request to give me the 4.5% (i.e. 4.2% plus .3% posted interest) and that it would take 48 hours approx to show in account. Apparently, even though I got the targeted offer from him, I would have to get back to him and "accept" the offer. There was no "accept offer button" on the initial e-mail. I messaged back to clarify the deposit on Saturday would receive the offer and not just any funds deposited after the 48 hours. Also, don't think if you deposit into chequing account then transfer to e-advantage account that the special offer would apply. Currently any transfers from say my Tangerine, Oaken, Wealth one etc into CIBC are set up to be deposited into CIBC chequing.

*For new funds deposited into existing eAdvantage Savings Accounts with balances above $100,000 on or before Mar‍ch 2‍7, 2026, earn a total interest rate of 4.80% (which is made up of the 0.60% posted interest rate plus a 4.20% bonus interest rate) for 90 days following the date of deposit. For new funds deposited into existing eAdvantage Savings Accounts with balances equal to or below $100,000 on or before March 27, 2026, earn a total interest rate of 4.50% (which is made up of the 0.30% posted interest rate plus a 4.20% bonus interest rate) for 90 days following the date of deposit. Interest is calculated daily on each day’s full closing balance and paid monthly to the eAdvantage Savings Account. For deposits received after Mar‍ch 2‍7, 2026, only regular interest will continue to apply.

Alexandra said
New CIBC 4.8%.
Received an e-mail from my CSR rep yesterday offering 4.8% for 90 days on new funds deposited into my existing e-Advantage Savings account. This offer is for funds deposited on or before 27 March 2026.

I've asked him to clarify some things so expect another e-mail or phone call from him.  

Do you know if the 4.80% is "across the board" or only the top rate on the top level of the deposit (tiered structure a.k.a. graduated rate)?

I've asked him to clarify some things so expect another e-mail or phone call from him.

CIBC used to offer other savings accounts that were not eAdvantage Savings Accounts:

• CIBC Bonus Savings Account
• CIBC Chequing Savings Account
• CIBC Daily Interest Savings Account
• CIBC Premium Growth Account
• CIBC Regular Savings Account

Those would not affect one's eligibility for the offer.

rk said
Apparently today the offer is for 4.60%:
https://www.cibc.com/en/specia.....LZEALw_wcB

From the 'Terms and Conditions':
The Offer is available to individuals who: (i) have reached the age of majority in their province or territory of residence, and (ii) as of the date the Eligible eSA is opened, are not a holder or have not held (either jointly or individually) a CIBC eAdvantage Savings Account, as determined by CIBC on the basis of its official records.

Does anybody know what this actually means? If I had a savings account (eAdvantage or some other type) with CIBC more than 5 years ago, do I qualify for this promo?  

I think it means what it says. Maybe you get lucky and slip through without them noticing.

From the 'Terms and Conditions':
The Offer is available to individuals who: (i) have reached the age of majority in their province or territory of residence, and (ii) as of the date the Eligible eSA is opened, are not a holder or have not held (either jointly or individually) a CIBC eAdvantage Savings Account, as determined by CIBC on the basis of its official records.

Does anybody know what this actually means? If I had a savings account (eAdvantage or some other type) with CIBC more than 5 years ago, do I qualify for this promo?