Feel at ease with our in-person identity verification process at the banking centre. Our representatives will guide you and let you know what’s required of you.
Have a secure in-person branch experience
We'll verify your identity each time you visit a CIBC banking centre. This is to protect you, your information and your assets, as well as our CIBC employees.
Use multi-factor authentication
We validate your identity using 2 or more verification methods. Using these techniques increases our security, protects you and mitigates any potential risks.
Verify you and your transactions
We'll authenticate your identity at our CIBC banking centre for any monetary or non-monetary transactions.
Stay safe from fraud
Our security measures and verification methods help safeguard your money and accounts, and minimize the risk of fraud and identify theft.
Our in-person authentication methods
Bring the following 3 items with you when you visit a banking centre to complete the in-person authentication process.
CIBC debit or credit card
Have your CIBC debit or credit card. If you've lost or misplaced your CIBC card(s) or you've recently received a new one, we may use additional methods to verify you.
Government-issued photo ID
Bring your government-issued photo ID, such as your driver's license or passport. We use it to verify you, using secured scanning technology. In some circumstances, we may need more than one ID to confirm your identity.
We'll send a notification with a unique one-time verification code (OTVC). Share the OTVC with the banking representative to authenticate you.
Additional verification methods
Your security is important to us. In some situations, we may ask you to provide additional information to validate your identity.
We'll ask you questions that only you, as the account holder, would be able to answer. These questions may be different each time you visit a banking center.
We'll connect with our Secondary Support team by phone to help complete the verification process. We may bring you into a private office to protect your privacy.
When we require your signature to authorize a transaction, we'll compare it to the account opening signature we have on file.
Your in-person authentication questions answered
If you don't have a government-issued photo ID with you, the banking centre representative will try to find other ways to verify you. If they can't confirm your identity, they may request you return with the appropriate IDs.
Your authentication experience may be different each time you come into a banking centre. This is because we consider several factors, such as the type and amount of your transaction and your previous transaction history. We’ll attempt to verify you using your CIBC debit or credit card and at least one piece of valid government-issued photo ID. However, there may be instances that require more due diligence based on your request.
Here are some examples that may require additional verification.
Replacing a lost or stolen debit card
Withdrawing or transferring a large amount of money (including bank drafts or wire transfers)
Updating personal account details, such as your address, phone number or PIN
In addition, the way we authenticate you will continue to change, as we invest in more efficient and secure verification methods that help improve your safety and reduce the risk of fraud.
Your authentication experience shouldn't differ because of location. It may differ as it may relate to the type and amount of your transaction, your previous transaction history and any current fraud trends we’re monitoring.
As a financial institution, we have to comply with regulatory requirements. In some cases, we need to understand and document the funds that flow through CIBC. Trends have shown that fraudsters may try to convince you to withdraw funds for different purposes. When we ask what your funds will be used for, we’re working to ensure that we keep you and your money safe. To learn more about scams and how to protect yourself, go to banking fraud.
If you don't have your CIBC debit card or credit card with you, the banking centre representative will need to verify you using other methods. Please bring additional pieces of acceptable ID. We may use them to verify your identity.
If you don't have a mobile device, the banking centre representative will need to verify you using other methods. Please bring additional pieces of acceptable ID. We may use them to verify your identity.