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Understanding Your CIBC Cheques: An In-Depth Guide

Reading cheques from the Canadian Imperial Bank of Commerce (CIBC) may seem complicated, but it doesn't have to be. This comprehensive, step-by-step guide will unravel how to decipher a CIBC cheque using various methods such as online banking, the mobile app, and calling customer service. By the end of this article, you'll be well-equipped to execute your cheque-related transactions efficiently and confidently.

Online Banking

Online banking is a convenient and easy method for decoding CIBC cheques. The steps to follow include:

• Firstly, log into CIBC online banking with your card number and password.
• On the overview page, select "My Accounts".
• Themes, click on the account from which the cheque was issued.
• Displayed on your screen would be a list of transactions, identify the cheque in question and click on it.
• The system will display an image of the cheque along with its details including the date, amount, payee, cheque number, and endorsement.

It's crucial to note that any adjustments in your online banking settings won't affect the details on a cheque you've already issued.

Mobile App

CIBC's mobile app provides a perfect alternative for those on the go. Here's how to read your CIBC cheque using the app:

• Open the CIBC mobile app and sign in.
• From the main menu, select "Accounts".
• Tap on the relevant account and find the cheque transaction.
• Tap on the transaction to view the cheque's details and image.

Keep in mind that only cheques issued within the last seven years are available to view in the mobile app. Also, some cheques might not have an image depending on how they were deposited or cleared.

Calling Customer Service

If you prefer personal interaction or need additional assistance, calling CIBC's customer service is a viable option. Here's how:

• Call CIBC's customer service number at 1-800-465-2422.
• Prepare to provide your account number, the cheque number, and any other security information requested.
• A customer service agent will provide all necessary information related to the cheque including dating, payee, and amount.

Be aware that CIBC may charge a fee for this service, so it's a good idea to inquire about any potential costs upfront.

Conclusion

The Canadian Imperial Bank of Commerce provides multiple ways for you to read your cheques, whether you prefer online banking, using a mobile app, or speaking directly with a customer service agent. It's crucial to review your cheques accurately to keep track of your funds and avoid potential fraudulent activity. Now that you're familiar with the steps, you can choose the method that suits your lifestyle best and take control of your financial transactions.