1 Visa Debit transactions are debit not credit transactions. There are no interest charges associated with Visa Debit transactions. However, if your account goes into overdraft, the applicable charges apply.
2 The Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed through the Visa network. You must comply with the CIBC Cardholder Banking Service Agreement including safeguarding your card, your card details and PIN.
3 If you use your CIBC Advantage Debit Card to purchase goods and/or services outside of Canada, a converted Canadian dollar amount will be debited from your account, based on the same conversion rate CIBC is required to pay, plus an administration fee of 2.5% of the converted amount. This is in addition to any transaction fees applicable to the debit purchase. The conversion rate applied to purchase refunds and other credits may be different from the conversion rate applied to the original purchase. The administration fee will also apply to purchase refunds and credits.
4 The Interac Zero Liability Policy applies to Interac Debit, Chip and PIN transactions, ATM withdrawals and Contactless payments. You must comply with the CIBC Cardholder Banking Service Agreement (PDF, 130 KB) Opens in a new window., including safeguarding your card, your card details and PIN.
Products and their features may change at any time.