I don't use CIBC but I suspect that the bloodsuckers at other banks treat customers in a similar fashion. They only exist to bleed as much as possible from the depositor and always put shareholders above customers. The legal crap is written by people in the hire of the bank so they are unlikely to protect anyone else's rights! It is your mother's money and she should be free to move it somewhere else but I bet the fine print is loaded with penalties for doing so as well!
I was always a firm believer in the Credit Union movement, but sadly they are getting more and more like banks. A pity!