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rgba(0,0,0,1)}body{margin:0;--wp--style--global--content-size:1200px;--wp--style--global--wide-size:1400px}body{--wp--style--block-gap:24px}body{padding-top:0;padding-right:0;padding-bottom:0;padding-left:0} Garnish wages for student loans in New Brunswick | Bankruptcy Canada
I can see why you would be concerned as the bank has the right of set-off, meaning they can absorb any deposits into the CIBC. This would not be considered a garnishment, and any of your creditors can go to court and get the ability to garnish. Although any creditor who does this is subject to provincial law that determines what percentage can be garnisheed. The difference here is if the money is in the same institution that the loan is at so they can simply set off as much of any deposit as they want, no maximum.
As for the paperwork, you can pay to get a legal opinion, but I doubt it is legally binding. People, including those who work at a bank are entitled to make mistakes and it sounds like they have.
If I were you I would open the account at CIBC. Put a portion of your cheque in there, but not all of it and then see if you can discuss payment arrangements.