Thank you for holding Roman. The bank USA smart account is basically a chequing account that you could use in the USA if your employer is in the US, the bank USA account would be a good option for you to accept your payroll. The bank USA account also allows you to transfer the USD funds from that account to a CIBC deposit account on our side. For example, the US Personal or our Canadian smart account. If you want to move the funds from the CIBC Canadian account to tangerine, than you would likely need to either withdraw the funds and deposit into tangerine or you need to issue a wire transfer to move from us to tangerine
Yes, you can definitely apply for the US Personal account through the products tab of your online banking with us.
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By opening the bank USA smart account and the US dollar Personal with us you would be ale to move the funds between this 2 accounts using our online banking.
If you want to move the funds out of CIBC and to an external financial institution, then you would need to withdraw the money or to do a wire transfer to the other bank.
