# CIBC Bank USA

**Canonical:** https://apis.io/providers/cibc-us/  
**Website:** https://us.cibc.com  
**APIs profiled:** 0

CIBC Bank USA is an Illinois state-chartered, FDIC-insured commercial bank (FDIC Cert #33306) headquartered at 120 South LaSalle Street in Chicago, Illinois. Formerly The PrivateBank and Trust Company, it was acquired in 2017 and rebranded, and today operates as a wholly owned US subsidiary of Canadian Imperial Bank of Commerce (CIBC) through the intermediate holding company CIBC Bancorp USA Inc. The bank focuses on commercial banking, capital markets, wealth management, trust services, private banking, and cross-border services for clients with North American operations, rather than mass-market retail. As a US regional institution, CIBC Bank USA publishes no first-party public developer portal or open API program; consumer-permissioned account and balance data is reached only through third-party aggregators such as Plaid, and the CIBC group has a data-access agreement with MX. It is not a documented direct Financial Data Exchange (FDX) participant and has published no explicit CFPB Section 1033 data-access posture, making its honest API surface aggregator-mediated only.

## Kin Score — 8.2 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 8.2).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Cibc Us Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Commercial Banking, Regional Bank, Private Banking, Open Finance, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cibc-us/). Scores are computed from the provider's own public artifacts under a published rubric.