Debit Card

Convenience and
security for your
everyday banking

For more information

talk to a CIBC advisor
visit your nearest Banking Centre
visit cibc.com
call 1 800 465-CIBC (2422)

To Report a Lost, Stolen or Misused Debit Card:

In Canada and U.S. 1 800 465-CIBC (2422)

Elsewhere 1 902 420-CIBC (2422)
For CIBC Advantage Debit Card holders requiring
emergency card assistance, you may also call 410 581-9994
when travelling outside Canada.

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Table of Contents Three key things you
need to know
Three key things you need to know....................................................... 1

1) Activate your new debit card right away

CIBC Advantage Debit Card® at a glance.............................................2

Your existing debit card (if you have one) will soon be deactivated.
Worldwide purchase acceptance............................................................4
If you received your new card in branch:
Activate your card at a CIBC bank machine before you leave
Unlimited access............................................................................................6

the branch.
Security and protection ..............................................................................7
• New cards: Insert card and select “PIN Options”, then “Select
ABM PIN” and follow the prompts
CIBC Convenience Card...............................................................................8

• Replacement cards: Insert card and select “Other Services/

Change PIN”, then select “Change PIN Options” at the bottom
Frequently asked questions......................................................................9

left corner of the screen and follow the prompts. If you have a
Account fees applicable to using your debit card ..........................13
CIBC Advantage Debit Card, the contactless payment feature
(Interac Flash®) will be activated when you do your first PIN
CIBC Cardholder Banking Service Agreement.................................14
transaction in person at a merchant (Point of Sale) terminal
If you received your card in the mail:
Notes .............................................................................................................. 21

Activate your card by using it along with your PIN at any CIBC bank
machine or retail location.

2) Changes to your purchase experience

As retailers make the transition to chip technology and contactless
payments, the way you use your debit card to make purchases may
vary. Insert, swipe or tap and hold your card as required by the
merchant with whom you are making the transaction.
If you have a CIBC Advantage Debit Card:
• When shopping at stores in Canada:
• Use your card at any retailer who accepts Interac®

and insert your card and enter your PIN to authorize

the transaction

• If the merchant terminal has an Interac Flash logo and/or

this symbol you can tap and hold your card to complete
the purchase
• When shopping at stores outside Canada:
• Use your card at any retailer who accepts Visa* and sign and/
or enter your PIN to authorize the transaction

3) Protect your debit card and PIN

It is important to safeguard your card, your card details (such as
your card number) and your PIN at all times. Never lend your card
or disclose your PIN to anyone and monitor account activity. Treat
your card as though it were cash and give your card details only
when you initiate a purchase with a trusted retailer. The CIBC
Advantage Debit Card can be used to make purchases either with or
without a PIN or the card being present.

1
CIBC Advantage Debit Card With the CIBC Advantage Debit Card, you can enjoy 24/7 access to your
account(s) for banking and worldwide shopping. Withdraw funds, transfer
at a glance funds between accounts, pay bills, make debit purchases around the world
and much more.

Enjoy the benefits of your

CIBC Advantage Debit Card

Advantage Debit Card

4506 1234 5678 9012

4506 MONTH/YEAR

GOOD THRU
LAST DAY OF
00/00

G RAYMOND

CIBC Advantage Debit Card

Worldwide purchase acceptance:

In Canada:
• At stores that accept Interac Debit – tell the cashier that you ✔
are paying by Interac Debit
• At stores that accept Interac Flash – for smaller everyday ✔
purchases, tell the cashier you are paying by Interac Flash.
• At stores that accept mobile payments - add your debit ✔
card to eligible mobile wallets to make purchases wherever
contactless payments are accepted
U.S. and Internationally:
• At stores that accept Visa cards ✔
Online, by phone or by mail:
• At most U.S. and international retailers that accept Visa cards ✔
• At participating Canadian retailers that accept Visa Debit ✔
• Visa Checkout enabled ✔

Unlimited access:
• 24/7 CIBC Online Banking® and CIBC Mobile Banking® ✔
• CIBC Telephone Banking ✔
• CIBC bank machines ✔
• Canadian and global access through the Interac and ✔
Plus* networks
• CIBC Branches – many with extended evening and ✔
weekend hours

Security and protection:

• Chip Security ✔
• Fraud Protection ✔
• Security and protection features for purchases made through ✔

the Visa network

For more details, see page 8.

2 3
Worldwide purchase acceptance Interac Debit and Visa Debit
1. Insert or swipe: Where the retailer’s terminal is chip-enabled,
You can use your CIBC Advantage Debit Card to pay for purchases
insert your debit card into the terminal, chip end first, and leave
directly from your account(s) anytime, anywhere.
it there for the duration of the transaction. Otherwise you will
Worldwide need to swipe your card.
If you are a CIBC Advantage Debit Card holder, you can use your 2. If prompted, select account type: You may be asked to choose
card to shop around the world: “chequing” or “savings”.
• In Canada, at stores that accept Interac Debit and/or Interac Flash 3. If prompted, PIN/sign: In Canada, you will be asked to enter your
• Internationally, at stores that accept Visa cards 1 PIN to authorize the transaction. Outside Canada, you may be
• Online, over the phone or by mail at: asked either to enter your PIN or to provide your signature to
authorize the transaction.
• most U.S. and international retailers that accept Visa cards 1

In some cases, you may be asked to choose either “Chequing” or

• participating Canadian retailers that accept Visa Debit “Savings”. In other cases, the merchant terminal may automatically
select the account in the chequing position or, if you do not have
an account in the chequing position, the account in the savings
Note: The CIBC Advantage Debit Card has a Visa logo with the
position will be used. If you do not have an account in chequing or
word Debit on it, but it is not a credit card. It is a debit card
savings, the “Other” position may be used. You are responsible for
that allows you to make debit purchases directly from your
any fees, interest charges and amounts borrowed (if the account is
account using Interac Debit and/or Interac Flash at stores in
a line of credit account or has overdraft protection) or incurred as
Canada and the global Visa network for shopping at stores
a result of any transactions.
outside Canada as well as online, by phone and by mail.

Shopping online, by phone or by mail with your

As retailers make the transition to chip technology and contactless
payments, the way you use your debit card to make purchases may
CIBC Advantage Debit Card
vary. Follow these simple steps: With the CIBC Advantage Debit Card, you can enjoy the
convenience of shopping online, by phone or by mail with trusted
participating retailers:
Interac Flash
1. Choose Visa as the card type.
1. Tap and hold: For smaller everyday purchases, you can look for
merchant terminals with the Interac Flash logo. 2. Provide your card number and expiry date located on the front
of your CIBC Advantage Debit Card.
When you tap and hold your card in front of the reader:
3. As an additional security measure, some online retailers may
• The purchase amount is automatically debited from your require the three-digit Security Code on the back of your card.
chequing account (or the account in the chequing position)
Important: The three-digit Security

• If no account is present in the chequing position on the card, Code is NOT your PIN. Never disclose

the transaction will be debited from the account in the savings

your PIN to anyone.
123
position instead
• Once the transaction is complete, you can ask the merchant for 4. At times, you may be asked for the
cardholder name as shown on the
a receipt
front of the card. Three-digit Security Code
• If no account is present in either the chequing or savings
position on the card, the transaction will be declined
Tip: If your card does not have a name on the front, use your
Please see page 13 for more information on Interac Flash.
legal first and last names.

4 5
5. Provide your billing address and other information as required. • Once you have registered, you can access CIBC Mobile Banking
6. Obtain payment confirmation. with your debit card number and online banking password on
your smartphone or tablet when you download our FREE†
award-winning banking app.
Important: When you use your CIBC Advantage Debit Card to
conduct Advance Payment Transactions, including reserving Data charges from your mobile service provider may apply.
†

goods and/or services such as hotel reservations or car

rentals, funds for payment of that transaction may be CIBC Telephone Banking
debited immediately from your account by the merchant. To use:
You are, in effect, making an advance payment for a service
to be used in the future, so the funds may be debited from
• Call 1 800 465-CIBC (2422)
your account at the time you make the reservation. • Enter your CIBC Debit Card number
• Select a password with the help of a Financial
In some cases, the merchant may process a separate Service Representative
pre-authorized transaction (which may exceed the amount
of your original purchase) to ensure you have sufficient Bank machines
funds in your account. The total amount of the purchase
As a CIBC client, you have access to one of Canada’s largest
is processed at the time of your order and refunds of the
networks. In Canada, you can use any machine displaying the
pre-authorized transaction amount will occur later when the
Interac logo. When travelling abroad, look for the Plus logo3.
item is delivered to/received by you.

CIBC Branch
Unlimited access Visit your nearest CIBC branch during business hours and we can
help you take care of your banking needs in person.
The CIBC Advantage Debit Card provides you with convenient 24/7

access to your account(s).

Security and protection

You can access your account(s) through CIBC Online Banking,

Your CIBC Advantage Debit Card provides you with

CIBC Mobile Banking, CIBC Telephone Banking or at more than

advanced security and protection features.

1,100 branches – many of which offer evening and weekend hours.

You can also access your account(s) at any CIBC bank machine or
Chip Security: Chip technology enhances an already
thousands of other non-CIBC bank machines2,3 globally through
secure magnetic stripe payment system and is
the Interac and Plus networks.
recognized around the world as a standard of safety and security.
Fraud Protection: You will not be held responsible for fraudulent
CIBC Online Banking purchases as long as you meet your obligations. To protect yourself,
To register: always safeguard your debit card, your card details (such as your
• Call 1 888 872-CIBC (2422) to obtain a temporary password card number) and your PIN from misuse, damage or destruction.
Never lend your card to anyone. Keep your PIN confidential and
• Go to cibc.com and select “Register” always monitor your account activity.
• Enter your card number and expiry date, and hit the
“Continue” button Should you notice suspicious activity on your account, discover
your card to be lost, stolen or misused, or suspect that someone
• Follow the easy registration steps knows your PIN or card details, contact us immediately at
You can also view the CIBC Online Banking demo at 1 800 465-CIBC (2422). For more information, refer to your
cibc.com/ca/how-to-bank/online-banking.html CIBC Cardholder Banking Service Agreement on page 14 of
this brochure.
CIBC Mobile Banking
CIBC Active Fraud Monitoring can help protect your money by
To use: detecting possible fraudulent transactions. You can also use your
• Simply follow the above steps to register for CIBC Online CIBC Advantage Debit Card to make purchases in person, online,
Banking. This will give you automatic access to CIBC Mobile by phone or by mail with or without a PIN or the card being present.
Banking Regardless of how you make a purchase, you will benefit from

6 7
the same fraud liability protection you receive when your card Purchase acceptance
is present, provided you comply with your obligations in your
In Canada, make purchases at stores that accept Interac Debit.
CIBC Cardholder Banking Service Agreement on page 14 of this
brochure. You must always safeguard your card and your card 1. Insert: Where the retailer’s terminal is chip-enabled, insert your
details (such as your card number) and keep your PIN confidential. debit card into the terminal, chip end first, and leave it there for
the duration of the transaction.
Security and protection features with the 2. If prompted, select account type: You may be asked to choose
CIBC Advantage Debit Card “Chequing” or “Savings”.
The following features apply to CIBC Advantage Debit Card 3. PIN: Enter your PIN to authorize the transaction.
transactions made through the Visa network:
• Visa’s Zero Liability Policy: Should someone steal your card, Banking access
your card number or other card details, you will not be held The CIBC Convenience Card provides you with the convenience
responsible for fraudulent purchases, subject to the terms of the of 24/7 Online, Mobile and Telephone Banking, plus extended
CIBC Cardholder Banking Service Agreement4 evening and weekend hours and over 1,100 branches to choose
• Verified by Visa: This free global authentication service makes from. You can also access your account(s) at any CIBC bank machine
or other non-CIBC bank machines2,3 globally through the Interac
shopping online at participating retailers more secure by
and Plus networks.
providing an additional layer of protection
Plus, if you have used your CIBC Advantage Debit Card to make Security
purchases through the Visa network and have an unresolved
Chip Security: Chip technology enhances an already secure
dispute with a retailer, for example non-receipt of goods or services,
magnetic stripe payment system and is recognized around the
CIBC may be able to work with Visa to request a refund for you5.
world as a standard of safety and security.
Fraud Protection: You will not be held responsible for fraudulent
To report a lost, stolen or misused debit card:
purchases as long as you meet your obligations. To protect yourself,
always safeguard your debit card, your card details (such as your
In Canada and U.S. 1 800 465-CIBC (2422) card number) and your PIN from misuse, damage or destruction.
Elsewhere 1 902 420-CIBC (2422) Never lend your card to anyone. Keep your PIN confidential and
always monitor your account activity.
For CIBC Advantage Debit Card holders requiring
emergency card assistance, you may also call 410 581-9994 Should you notice suspicious activity on your account, discover
when travelling outside Canada. your card to be lost, stolen or misused, or suspect that someone
knows your PIN or card details, contact us immediately at
1 800 465-CIBC (2422). For more information, refer to your
CIBC Convenience Card (no longer offered) CIBC Cardholder Banking Service Agreement on page 14 of
this brochure.
The CIBC Convenience Card is a debit card for clients who do
not want the added benefit of worldwide purchase acceptance CIBC Active Fraud Monitoring can help protect your money by
(including online, by phone, by mail) and the contactless debit detecting possible fraudulent transactions.
feature Interac Flash, which the CIBC Advantage Debit Card
offers. The CIBC Convenience Card still offers 24/7 access to your
account(s)2 for all your banking needs, provides the ability to shop
Frequently asked questions
at stores in Canada with Interac Debit, and offers the security of 1. How can I protect myself against fraudulent transactions?
chip technology, fraud protection and active fraud monitoring. To protect yourself, you must monitor your account(s) for
Replacement CIBC Advantage Debit Cards will be issued on expiry unauthorized use and comply with your obligations in your
to existing CIBC Convenience Card holders. CIBC Cardholder Banking Service Agreement. It is important
to safeguard your card, your card details (such as your card
number), and your PIN at all times from misuse, damage
or destruction. Never lend your card or disclose your PIN
to anyone.

8 9
 The CIBC Advantage Debit Card can be used to make purchases 6. How will my shopping experience change with the
either with or without a PIN or the card being present, so treat CIBC Advantage Debit Card?
your card as though it were cash and only give your card details
when you initiate a purchase with a trusted retailer.
Shopping at retail locations in Canada
Should you notice suspicious activity on your account, discover
your card to be lost, stolen or misused, or suspect that someone
knows your PIN or card details, contact us immediately at Shopping with Interac Debit
1 800 465-CIBC (2422). Your shopping experience remains the same.
2. My debit card has an expiry date. What happens when my Shopping with Interac Flash
card expires? If your CIBC Advantage Debit Card is enabled with Interac
Flash, you have the ability to pay for smaller everyday
Before your CIBC Debit Card expires, a replacement card will be
purchases, quickly and securely. You can look for the Interac
sent to you provided you activated your card at least 3 months
Flash logo and tap and hold your card in front of the reader.
prior to the expiry date and your account(s) is (are) open and
in good standing. If you have a CIBC Advantage Debit Card and You have an Interac Flash spending limit of $100 per
have used it to set up any pre-authorized payments, it will be transaction. This limit is subject to change at any time.
important to contact those companies with whom you have If you have exceeded your Interac Flash spending limit, or if
pre-authorized transaction arrangements to notify them of the you have made more than $200 in consecutive Interac Flash
change to your card details. purchases, the merchant terminal will prompt you to insert
the card and enter a PIN.
If you have not activated your card prior to the expiry date, a
replacement card will not be sent to you. Expired debit cards
cannot be used to conduct POS or ATM transactions. To request
Shopping online, by phone or by mail
a replacement card with a new expiry date, visit any CIBC
Banking Centre or call CIBC Telephone Banking.
You can use your CIBC Advantage Debit Card without your
3. The CIBC Advantage Debit Card has a Visa logo on it. Does this
PIN to shop online, by phone or by mail. When selecting the
mean it is a Visa Credit Card?
method of payment, choose Visa as the card type. In addition
No. The CIBC Advantage Debit Card is a debit card, not a credit to your card number and expiry date, you may be required to
card. This debit card has a Visa logo and the word Debit on the provide the three-digit Security Code on the back of your card
front because the card provides you with extended access to to complete your purchase. As well, you may be asked for the
your account(s) to shop outside Canada, online, by phone or by cardholder name as shown on the front of your card.
mail through the Visa network. At stores, in Canada, you can
continue to shop through the Interac network. Whether you
are shopping worldwide or in Canada, funds will be withdrawn 7. What if my card doesn’t have my name on it?
directly from your account. If you have a CIBC Advantage Debit Card and you make purchases
4. What is the benefit of having access to the Visa network? online, by phone or by mail, you may be asked for the cardholder
name. If your card does not have your name on the front, then use
Access to the Visa network gives you the ability to make debit
your legal first and last names. If you frequently make purchases
purchases online, by phone, by mail and at retail locations in the
this way and would prefer to have a card with your name on it,
U.S. and internationally. The purchase amounts will automatically
please call CIBC Telephone Banking at 1 800 465-CIBC (2422) or
be withdrawn from your account at the time of the purchase.
visit your nearest branch to request a card with your name on it.
5. What if a retailer doesn’t accept my card because it doesn’t
8. What if I try to use my CIBC Advantage Debit Card to make a
have my name embossed on it?
purchase online, by phone or by mail and the retailer does not
If a retailer doesn’t accept your CIBC Advantage Debit Card accept the card?
because your name is not embossed on the front of the card,
The CIBC Advantage Debit Card is accepted online, by phone or
please call CIBC Telephone Banking at 1 800 465-CIBC (2422) or
by mail at:
visit your nearest branch to request a card with your name on it.
• Most U.S. and international retailers that accept Visa cards
• Participating Canadian retailers that accept Visa Debit.
If the transaction is declined, it may be because the retailer
is not yet accepting Visa Debit.

10 11
 9. How will my CIBC Advantage Debit Card work outside Canada? 13. I just received my CIBC Advantage Debit Card – how do I
The CIBC Advantage Debit Card is a debit card that you can activate Interac Flash on my card?
use around the world to make purchases directly from your Interac Flash will be available for use after you activate the feature
account(s). Even though your card is a “debit” card, some payment by performing a PIN transaction in person at a merchant terminal.
terminals require merchants to press “credit” or “Visa” to process When the Interac Flash feature is enabled, any replacement CIBC
Visa Debit transactions through the global Visa payment network. Advantage Debit Card will also have the Interac Flash feature
In such cases, either you or the merchant may need to select enabled, including the replacement card mailed to you when your
(press) the “credit” or “Visa“ button on the terminal pad. Note, the current card expires. If you ask to have Interac Flash disabled, any
transaction will still be processed like a regular debit transaction replacement CIBC Advantage Debit Card issued will also have the
and the payment will be debited from your account. Interac Flash feature disabled, including the replacement card
mailed to you when your current card expires.
10. Can I use my CIBC Advantage Debit Card to make a reservation
for things like a hotel stay or a car rental? 14. Can I remove the Interac Flash feature from my CIBC Advantage
Yes, you may use your CIBC Advantage Debit Card to reserve Debit Card?
things like hotels, cars or cruises, although some merchants may The Interac Flash functionality is turned ‘ON’ by default once
advise you to use a credit card to make the reservation instead. you perform a PIN transaction at a merchant terminal with your
This is because the amount you pay to book the reservation new card. If you want the functionality turned ‘OFF’, please call
upfront or at check-in (i.e., a deposit) may be different from the CIBC Telephone Banking at 1 800 465-CIBC (2422) or visit your
final purchase amount at the end of your hotel stay or when nearest branch.
you return a car. So, you may wish to make the reservation with
a credit card until you know what the final payment amount
will be, at which time you may use your CIBC Advantage Debit
Account fees applicable to using your
Card to pay for the transaction directly from your account. If you debit card
do choose to book the reservation in advance with your CIBC
When you use your CIBC Debit Card for withdrawals and debit
Advantage Debit Card (or provide your card at check-in), please
purchases, the following fees will apply in addition to the
note that the funds will be debited from your bank account at
transaction fee (if any) for your type of account:
that time and that a transaction fee applicable to your account
may apply. If the amount you were charged when making the
reservation was more than the final payment due, the merchant Withdrawals made at non-CIBC bank machines
should refund the difference. If however, the amount you were
charged when making the reservation was less than the final • In Canada (Interac network) $1.50 each6
payment due, you will be required to pay the difference. • In U.S. (Plus and Visa networks )
◊
$3.00 each6 plus 2.5%
administration fee7
11. Are there any fees associated with using my card?
• Outside of Canada and U.S. $5.00 each6 plus 2.5%
There are no annual fees for CIBC Debit Cards. Depending on (Plus and Visa networks )
◊
administration fee7
your account type, transaction fees may apply. Account fees
Debit purchases (and returns/credits) made with merchants,
apply when you use your CIBC Debit Card for transactions
and withdrawals made at financial institutions outside
such as withdrawals at non-CIBC bank machines. Also, for CIBC
Canada with a CIBC Advantage Debit Card
Advantage Debit Card transactions, account fees apply for
purchases outside Canada. An administration fee will apply to • In U.S. or other foreign currency Additional 2.5%
transactions made in U.S. or other foreign currency. For details administration fee7
of debit card usage fees, see “Account fees applicable to using An additional surcharge may be applied at some non-CIBC
your debit card” on page 13. bank machines and will be added directly to the amount of
12. Can I put a stop payment on a pre-authorized debit/recurring your withdrawal.
payment set up with my CIBC Advantage Debit Card details?
Other fees apply to the operation of your account(s) and are described
No, you need to contact the merchant/biller/payee directly
to instruct them to discontinue applying charges to your in the Personal Account Service Fees brochure (available at any CIBC
account(s) through your CIBC Advantage Debit Card. If you are branch, by calling 1 800 465-CIBC (2422), or by visiting cibc.com).
unsuccessful in resolving the issue, CIBC may be able to work ◊
May include other networks we make available for use outside Canada.
with Visa to request a refund for you.

12 13
 CIBC Cardholder You must change your PIN(s) immediately if you suspect someone else
may know your PIN(s).
Banking Service Agreement (f) Personal Account Agreement: Your Personal Account Agreement
explains your obligation to check your Account activity and tell CIBC
Any document that refers to the Instant Banking Service Agreement or CIBC about any errors or disputes within the timeframes described.
Convenience Banking Service Agreement means this Agreement.
3. Liability for losses
1. Application (a) Liability: You are responsible for all losses resulting from:
(a) This Agreement applies when you use the Cardholder Banking Service.
i) Transactions that you authorize;
(b) This Agreement does not apply to transactions on a Credit Card Account.
ii) entry errors you make when using a Cardholder Banking Service;
Those are governed by the Credit Card Agreement. If there is a conflict
between this Agreement and the Credit Card Agreement, the Credit Card iii) fraudulent or worthless deposits to your Account;
Agreement will govern to the extent necessary to resolve the conflict. iv) unauthorized use of your Debit Card or Debit Card Details if you
(c) Other agreements apply to Cardholder Banking Services depending on contributed to that unauthorized use and/or do not cooperate with
the type of services used, including the Personal Account Agreement and us in any investigation; and
the Electronic Access Agreement. You can obtain a current copy of any of v) failing to remove your Debit Card or Credit Card from a Bank Machine
the agreements at cibc.com or any CIBC branch, or by calling CIBC during a deposit Transaction. The Transaction may be canceled and
Telephone Banking. any deposits (including cash) may be ejected by the Bank Machine
(d) Selecting a PIN for a Debit Card or use of the Cardholder Banking without credit to your Account.
Services means that you have received, understood and agreed to (b) Contributing to Unauthorized Use: Contributing to unauthorized use
this Agreement. includes your failure to comply with any of your Responsibilities set out
in paragraph 2 of this Agreement or if you fail to remove your Debit Card,
2. Your responsibilities Credit Card or money from a Bank Machine or Point of Sale Transaction
(a) Authorized Transactions: You are responsible for Transactions authorized terminal. We will not hold you liable for amounts withdrawn from your
by you, including: Account in excess of the daily Transaction limits.

i) using your Debit Card together with your PIN; (c) Circumstances Beyond Your Control: You are not responsible for Losses
due to circumstances beyond your control if there was nothing that you
ii) giving your Debit Card or some or all of your Debit Card Details to reasonably could have done to have prevented the Losses. Here are
a merchant and indicating your authorization of the Transaction in a examples of circumstances beyond your control:
manner acceptable to CIBC (whether in person, by telephone, by mail,
online, or for the purposes of establishing Transaction(s) directly from i) errors caused by CIBC or technical malfunctions;
your Account); ii) you are the victim of fraud or theft, or are coerced by trickery, force
iii) using your Debit Card for an Interac Flash Transaction; or intimidation and you report the incident promptly and paragraph
3(a)(iv) does not apply;
iv) using your Credit Card together with your PIN to access an Account; and
iii) Transactions occur after you contact CIBC to report a lost/stolen or
v) authorizing anyone else to do any of the above (i) through (iv). compromised Debit Card, Credit Card or Debit Card Details or your
(b) PIN Confidentiality: You will keep your PIN(s) absolutely confidential Debit Card or Credit Card has expired or is canceled by CIBC.
and never disclose your PIN to anyone. If CIBC sends you a PIN on (d) Extent of Losses: Losses under paragraph 3(a) are not limited to your
a document, you will immediately destroy the document. You will Account balance if your Account has overdraft or similar protection or by
memorize your PIN rather than keep any written record of it. your credit limit if it is a line of credit Account and Losses will include the
(c) When you choose a PIN, you agree that you will not use all or any part of amount of any fraudulent or worthless deposits.
any number that can be easily obtained or guessed, such as: (e) Additional Forms: You may be required to sign or provide additional
• your or a relative’s name, birth date or telephone number; and forms before we can confirm that a Transaction is unauthorized. If we
• a number on any of your Debit Cards, Accounts, Credit Cards, or later determine that you authorized a Transaction, we may reverse any
ID cards that you keep with or near your Debit Cards. provisional credit provided to you and you will be liable for the
Transaction and any Losses.
(d) Safeguarding your Debit Card: You will keep your Debit Card safe.
This means that at a minimum you will:
4. Account access
• sign your Debit Card when you receive it; (a) We may impose daily limits, access to deposited funds limits or
• always keep your Debit Card in your possession; Transaction limits (including by Transaction type) and we may change
• take reasonable steps to protect your Debit Card from loss, theft or any of these at any time, with or without notice to you. Your ability to
misuse; and access funds in your Account is also subject to CIBC’s policies and
• ensure that the black magnetic stripe and the chip on your Debit Card procedures for hold periods on cheques and Bank Machine deposits
are protected from damage or unauthorized use. (including cash deposits).
(e) Lost or Stolen Debit Card: You must tell CIBC as soon as possible but no (b) If you exceed your credit limit or breach the Credit Card Agreement,
later than 24 hours after you notice or suspect: you may not be able to use your Credit Card to access Cardholder
Banking Services.
• that someone else other than you used your Debit Card or Debit Card
Details; or
• your Debit Card is lost, stolen or compromised.

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 5. Replacement and use of your Debit Card (e) Authorizing Transactions: For Card Not Present Transactions, some
(a) We may issue you a new Debit Card for any reason, including replacing it merchants may process an authorizing Transaction (which may exceed
with a different card type. the amount of your purchase). This authorizing Transaction will remove
the funds from your Account and it will later be reversed. The reversal
(b) You will not use your Debit Card for any illegal purpose, including the may occur after the purchase Transaction is processed.
purchase of any goods or services prohibited by law.
(f) Interac Flash: If a CIBC Advantage Debit Card is enabled with Interac
(c) You will not use your Debit Card after its expiry date. Flash, CIBC will select and link an Account to your Debit Card.
(d) Any Account linked to your Debit Card may be debited following CIBC Interac Flash Transactions will default to the pre-selected Account.
procedures. You are responsible for all fees and interest charges incurred Interac Flash functionality will be activated by conducting a successful
as well as any amounts borrowed (if the Account is a line of credit PIN Transaction at a Debit Card reading terminal. You can have
Account or has overdraft protection) as a result of the Transaction. Interac Flash disabled or re-enabled by calling CIBC Telephone
Banking or by visiting any CIBC branch.
6. Transactions with merchants (g) Restricted Transactions: Your CIBC Advantage Debit Card cannot be used
(a) If you authorized a Transaction, we are not responsible for any dispute to receive credits for online gambling transactions, wire transfers, money
with a merchant and you must settle any dispute or claims directly with transfers or gains/dividends from investment instruments.
the merchant.
(b) We will not be liable if a merchant does not give you credit for a bill 8. Dispute resolution with CIBC
payment, imposes any additional charges, charges a different price for If you have questions or concerns or if you disagree with CIBC about
purchases with a Debit Card versus other payment types, will not accept a Transaction, we want to hear from you. You can do this by contacting
your Debit Card, does not credit your bill payment on the date that funds are CIBC Telephone Banking, a CIBC branch, or CIBC Credit Card Services (if
withdrawn from your Account or takes any other action. applicable). If CIBC Telephone Banking, the branch, or CIBC Credit Card
(c) If you want to set up pre-authorized payment Transactions with Services is unable to resolve your concern, you can escalate your concern
a merchant, you have to make those arrangements directly with the to a senior level within CIBC. CIBC’s “Our Service Commitment to You”
merchant. You are responsible for giving the merchant the required brochure is available at any CIBC branch, or you may get the full details
information for any pre-authorized payment Transactions, including of CIBC’s dispute resolution procedure by calling CIBC Telephone Banking
telling merchants if your Debit Card Details change. We are not liable or at cibc.com.
if any pre-authorized payment Transactions cannot be posted to your
Account. If you want to stop any pre-authorized payment Transaction, 9. Termination of service or this Agreement
you must contact the merchant and then make sure the pre-authorized You may cancel your use of the Cardholder Banking Services at any time by
Transaction has been discontinued. notifying CIBC. In addition, we may terminate this Agreement or withdraw
or cancel any part of the Cardholder Banking Service or your ability to access
7. Provisions for CIBC Advantage Debit Card only it at any time and without notice to you. We will have no liability for any
loss or inconvenience which may result. If this Agreement is terminated or
(a) Transactions:
the Cardholder Banking Services are canceled, you must still fulfill all your
i) In Canada: Where Interac Debit is accepted, Transactions are obligations under this Agreement and immediately destroy or return your
processed through the Interac network. Debit Card(s). All Debit Cards remain the property of CIBC.
ii) Outside of Canada: Where Visa cards are accepted, Transactions
are processed through the Visa network (or any other network Visa 10. Additional Debit Card services
makes available for use). We may make additional services or benefits available, which are subject to
iii) Card Not Present Transactions: Where Visa Debit is accepted,
additional terms and conditions which may be changed or terminated at any
Transactions are processed through the Visa network.
time without notice. We are not liable for any services or benefits supplied
by third parties. You must deal directly with the supplier of services or
(b) Purchases, Refunds and Adjustments: Debits and credits for
benefits regarding any dispute.
Transaction(s) may not appear in your Account on or effective the same
day as the purchase or return/adjustment. 11. Instructions and records
(c) Disputes with Merchants for Visa Network Transactions: Despite You direct CIBC to accept the instructions you give through the Cardholder
paragraph 6(a), if you have a dispute with a merchant about a purchase Banking Services. CIBC’s records are conclusive and binding on you,
processed through the Visa network and you have been unsuccessful in and will be admissible in any legal proceeding as the best evidence of
first resolving the dispute with the merchant, you may contact CIBC. Transactions. All Transactions are subject to verification, acceptance and
In this case, you must tell us of the dispute within 60 days of the later adjustment by CIBC.
of the date of purchase and the expected date of delivery. In some
circumstances, such as where the merchant has not provided you with 12. Foreign currency transactions
the goods or services you purchased or the goods or services are not as
(a) If you withdraw foreign currency from or deposit foreign currency into
described, we may be able to assist you (but not in the case of disputes
your Canadian dollar Account through a CIBC Bank Machine, CIBC will
about quality or suitability, nor can we assist you with PIN-authorized
debit or credit your Account in Canadian funds at the exchange rate set
Transactions). If the Transaction is reversed you assign us all the rights
by CIBC. If you deposit non U.S. currency into a U.S. dollar Account, CIBC
you have against the merchant concerning the Transaction.
will credit your Account in U.S. funds at the exchange rate set by CIBC.
(d) Advance Payment Transactions: When you conduct Advance Exchange rates will be set by CIBC on a date determined by CIBC, which
Payment Transactions, including reserving goods and/or services such as may be different from the date you made the withdrawal or deposit.
hotel reservations or car rentals, the funds will be debited immediately
from your Account by the Merchant and the amount may be different
from the final purchase amount.

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 (b) If you use a Debit Card for a Transaction outside Canada or to withdraw 16. Miscellaneous
foreign currency from a non-CIBC Bank Machine, we will convert the (a) Governing Law: This Agreement is subject to the laws of the province or
amounts to Canadian dollars at our exchange rate, which is the rate CIBC territory where the Account is located and the laws of Canada.
is required to pay on the date of conversion, plus an administration fee.
Currency conversion may not happen on the date of your withdrawal or (b) Severability: If any provision of this Agreement is determined by any
Transaction and the conversion rate applied to refunds or adjustments court of competent jurisdiction to be invalid, illegal or unenforceable, that
may be different from the conversion rate applied to an original provision will be severed from this Agreement and the remaining
Transaction. The administration fee will apply to refunds or adjustments. provisions will continue in full force and effect.

(c) If you are outside Canada and choose at a Bank Machine or a point of (c) Survival: Any provision of this Agreement relating to your responsibilities
and liabilities or our rights and liabilities will survive termination of
sale to pay for a Transaction in Canadian funds at a specified exchange
the Agreement.
rate when prompted, that Transaction will be processed by CIBC
following the instructions received and the foreign exchange rate (d) Language: You have expressly requested that this Agreement and any
may be different than that set out above. related documents be drawn up in English. Vous avez expressément
exigé que cette Entente et tout document qui s’y rattache, soient rédigés
13. Service fees en anglais.
You will pay CIBC’s fees for Transactions, for the Debit Card and for using
17. Your privacy
Cardholder Banking Services, and you authorize us to debit the fees from
your Account(s). You will also pay any transaction charges or service fees You consent to the collection, use and sharing of your personal information
imposed by other financial institutions or service providers for Transactions from time to time as provided in CIBC’s privacy policy. Our privacy policy is
you conduct through their Bank Machines or terminals. Fees are not available at any branch or at cibc.com. This policy may be amended, replaced
refundable. CIBC’s current personal account fee list is available at any time or supplemented from time to time.
by calling CIBC Telephone Banking, from any CIBC branch or at cibc.com.
18. Voluntary codes
14. Changes to this Agreement CIBC has adopted a number of “Voluntary Codes of Conduct and Public
We may propose to change, either permanently or temporarily, any term Commitments”, including the Canadian Code of Practice for Consumer Debit
of this Agreement (including fees, charges or other amounts required to Card Services, which are available on cibc.com.
be paid by you, and/or Debit Card features) or replace this Agreement
19. Contacting CIBC
with another agreement, at any time. We will give you written notice of
a proposed change and any other information required by law, at least If you need to reach us for any reason, you can contact CIBC Telephone
30 days before the change is stated to come into effect in the notice. Banking 24/7 at: 1 800 465-CIBC (2422) (Canada and U.S.) or
We may provide that notice electronically, or by posting a notice in CIBC 1 902 420-CIBC (2422) (international). To report a lost, stolen or misused
branches, or by posting a notice on the website listed on the back of your Credit Card, you can reach CIBC Credit Card Services at: 1 800 663-4575
Debit Card or by mail. If by mail, then we will use the most recent mailing (Canada and U.S.) or 514 861-9898 (international).
address you provided to us. You may refuse the change by terminating this
20. General definitions
Agreement and closing your Debit Card without cost, penalty or cancellation
indemnity by notifying us within 30 days of the effective date of the change. In this Agreement, these terms have this meaning:
Account means a personal deposit or line of credit account which CIBC
15. Limitation of CIBC’s liability
allows you to access through the Cardholder Banking Service, excluding your
You understand and agree that, except as expressly provided in paragraph Credit Card Account(s).
3(c) above, and in addition to those limitations of liability set out elsewhere
in this Agreement, CIBC will be liable to you only for direct damages resulting Advance Payment Transaction means a Transaction made in advance of the
from gross negligence, fraud or willful misconduct of CIBC arising directly actual consumption of the good and/or service, including hotel reservations
and car rentals.
from the performance by CIBC of its obligations under this Agreement and
CIBC will not be liable to you for any other direct damages. CIBC will not Agreement means this CIBC Cardholder Banking Service Agreement, as
under any circumstances be liable to you for any other damages, including, amended and replaced from time to time.
without limitation, indirect, incidental, special, punitive or consequential Bank Machine means an automated bank machine which is accessible with
losses or damages, loss of profits, loss of revenue, loss of business a Debit Card or Credit Card.
opportunities, inconvenience, or any other foreseeable or unforeseeable
loss resulting directly or indirectly out of this Agreement or the services Card Not Present Transaction means a Transaction involving the purchase of
provided to you, including inability to access any Cardholder Banking Service, goods and/or services where you are not present at the Merchant location
even if CIBC was advised of the possibility of damages or was negligent. (i.e., online or by telephone or mail).
These limitations apply to any act or omission of CIBC, its affiliates, agents Cardholder Banking Service means using your Debit Card, Debit Card Details,
or suppliers, whether or not the act or omission would otherwise give rise Credit Card or Credit Card number to access your Account(s); using your Debit
to a cause of action in contract, tort, statute or any other doctrine of law. Card or Debit Card Details to complete Transactions; and identifying yourself
Gross negligence in this paragraph means conduct (whether through action using your Debit Card at a CIBC branch with or without a PIN and/or other
or inaction, or through words or silence) which is (i) a marked and flagrant identification, each as permitted by CIBC from time to time.
departure from the conduct ordinarily expected of a reasonable and prudent
CIBC, we, our and us means Canadian Imperial Bank of Commerce.
person in the position of CIBC, or (ii) so wanton and reckless as to constitute
an utter disregard for harmful, foreseeable and avoidable consequences. Credit Card means a CIBC Credit Card.
This paragraph will survive any termination of this Agreement.

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 Credit Card Account means the borrowing account which is opened when
CIBC issues a Credit Card to the primary cardholder.
Notes
Credit Card Agreement means the cardholder agreement governing your
1
If you use your CIBC Advantage Debit Card to purchase goods and/or
Credit Card Account, as amended and replaced from time to time. services outside of Canada, a converted Canadian dollar amount will
be debited from your account, based on the same conversion rate CIBC
Debit Card means any CIBC card or a combination of numbers and/or letters is required to pay, plus an administration fee of 2.5% of the converted
which enables you to use the Cardholder Banking Services, but excludes amount. This is in addition to any transaction fees applicable to the debit
a Credit Card. purchase. The conversion rate applied to purchase refunds and other
Debit Card Details means the Debit Card number, Debit Card expiry date and credits may be different from the conversion rate applied to the original
CVV2 (the three-digit security code on the back of the Debit Card). purchase. The administration fee will also apply to purchase refunds
and credits.
Interac Flash means the contactless payment feature that allows you to
conduct Point of Sale Transactions at select merchants, without having to 2
Daily limits apply to bank machine withdrawals, Point of Sale (POS)
insert your Debit Card and enter a PIN. purchases and Interac Flash transactions.
Losses means Account withdrawals (including amounts borrowed, if your 3
Transaction fees may apply. Additional fees apply to withdrawals
Account is a line of credit Account or has overdraft protection) and service at non-CIBC bank machines. If you withdraw foreign currency from
and/or interest charges which may result. non-CIBC bank machines or bank machines outside of Canada, a foreign
currency conversion administration fee of 2.5% of the converted amount
Personal Account Agreement means the agreement governing your Account,
will also apply.
as amended and replaced from time to time.
4
The Visa Zero Liability Policy does not apply to bank machine transactions.
PIN means the different series of numbers or letters you select or which
CIBC issues you, to identify you and enable you to use the Cardholder 5
Refund rights are limited to certain circumstances; prescribed
Banking Services (also called “password”) including your personal requirements must be satisfied. For example, refunds may be available in
identification number for Bank Machine and CIBC Telephone Banking access cases such as non-receipt of goods, but are not available for PIN-authorized
and Point of Sale Transactions, passwords for CIBC Online Banking or CIBC transactions or issues related to quality; you must notify us of the dispute
Mobile Banking and the personal identification number on a Credit Card to within 60 days of the later of the date of purchase or the expected date of
which an Account has been linked for access through the Credit Card. delivery of the goods or services.
Point of Sale Transaction means a Transaction which occurs in person at 6
In addition to transaction fee, if applicable, to the account.
a point of sale, including a Debit Card reading terminal which directly debits 7
The amount of your withdrawal, purchase, return or credit, including any
or credits an Account for the purchase price of goods and/or services. surcharge imposed by a third party for using the bank machine, network
Transaction means any transaction on your Account using your Debit or other service, is converted to Canadian dollars at the same foreign
Card, Debit Card Details or Credit Card including all types of Point of Sale exchange conversion rate CIBC is required to pay. You are charged an
Transactions, Bank Machine transactions and Card Not Present Transactions. administration fee of 2.5% on the converted amount in addition to any
transaction fees applicable to a withdrawal and any fee noted. Conversion
You and your mean the individual to whom a Debit Card or Credit Card
to Canadian dollars may occur on a date other than the date of your
is issued.
withdrawal, purchase, return or credit. Therefore the conversion rate
Unless the context requires otherwise, words in this Agreement which are may be different from the rate in effect at the time of your withdrawal,
in the singular include the plural meaning, and words which are in the plural purchase, return or credit.
include the singular meaning. The word “including” means “including, but not
You can obtain a copy of this brochure at cibc.com or any CIBC Banking Centre.
limited to”.
Interac® and Interac Flash® are registered trade-marks of Interac Inc.
Used under license.
The Contactless Indicator is a trademark of EMV Co. LLC.
* Trademark of Visa Int., used under license.
CIBC Cube Design & “Banking that fits your life.” are trademarks of CIBC.
All other trademarks are owned by CIBC.

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