CIBC Bonus Savings Account. | CIBC | Discussion forum

I actually work for CIBC and the Bonus Savings Account currently offers 0.75% interest on balances over $5000. When the economy was doing better the account was offering 3.0% if i recall correctly.
The account allows for 1 free debit withdrawal per month and clients have access to funds immediately through online, telephone, in bank and through abms.

Problem is with ICICI is that access to funds is limited. What if you need to withdraw cash immediatly. Also their online banking lacks in comparison with the Big 5 banks.
Plus if you withdraw cash from an ATM you must go to an ICICI ATM to withdraw cash to avoid fees and god knows how many of those are lying around Canada.
Is the inconvience really worth all the hassle.
GO with ICICI if:
-you don't need teller supported transactions
-Don't need immediate access to your cash
-Know of a ICICI ATM located near by

Honestly for a few less dollars in interest i rather have my money with a big 5 bank where i can have access to my account.

Yes but what if theres an emergency and you need the funds.
Working at CIBC i see many customers come in with PC financial accounts upset because they thought they would be able to do their banking through the tellers. PC Financial is great because of no fees and high interest (not of late) but when it comes to exchanging for foreign currency, withdrawing large amounts, bank drafts, certifying cheques and etc you're out of luck and have to go through a huge hassle.
Same thing with ICICI.