Jim Sherat said
Q. for CIBC eSavings users:
Based on your experience(s), when is monthly interest generally posted to the account ?
fyi, I'm a first time CIBC client; opened an eSavings acct [4.60%] early April with 6 figures deposit, and was expecting interest would get posted overnight Apr 30th, but not the case.
Thank you.  

My interest hasn't yet showed up into my e-advantage savings account. It didn't show last month at this time either however when it did show the Bonus & Branch interest for that account was dated 31 March 26 and then later on the "Smart" interest was paid on the 8th of April.

¹ Regular interest is calculated daily at the current rate on each day’s full closing balance and paid on the last business day of the month. Your entire account balance earns the rate applicable to the tier your daily closing balance falls within.

This interest cannot be withdrawn and will not be printed at branch terminals or bank machines or made available through CIBC Telephone or Online Banking, until the second business day of the following month.

Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice.
…

My guess is that the interest for April will be posted by Monday, May 4 and backdated to Thursday, April 30.

The 4.60 and 4.29 offers have now disappeared from their website, so there is no extension.
.

Their fine print says the 4.60% rate will be for 180 days from the date that the savings account is opened and the 4.29% interest rate will be for 120 days. No mention that either rate will only apply to funds in the account by April 30.

Maybe it is the $500 minimum deposit that needs to be made by April 30 for the offer to trigger.

That said, from a business management point of view, I think WFCU would likely want to limit its potential liability by closing off deposits. The max on this account is 2 million. If members deposited too much more money in the months to come, it could be an unacceptable risk for the CU. Thus, I imagine they really did intend to cut it off but some employees may not have understood or known this. From what I can see, T&C don't cover this.

mustang said
I just checked with branch
Was told:
i) offer closes April 30
ii) Since my account is already open, I can continue to add funds to it later, and still earn the promo rate  

My response from branch did come in the form of an email

smayer97 said
I was told by phone on Monday that the offer has been extended one week.  

I was told today by branch and by call centre by phone that it will not be extended. What a circus.