How it works

We monitor fraud trends and typical debit and credit card activity. When we detect various factors that indicate a transaction may be fraudulent, we’ll notify you by text, email or phone to authenticate the transaction.

Once you respond, you can instantly verify your transaction, or report it as fraud.

• Upon verification, we will unblock your card for future transactions. If your transaction was declined, you will be prompted to re-attempt your transaction. Some merchants may re-attempt the transaction automatically; otherwise, you may need to re-attempt the purchase. The merchant can confirm if the transaction was successful. Alternatively, you can refer to your CIBC Online Banking® account to determine whether the purchase was successful. A pending transaction on your CIBC Visa* transaction history will confirm if the purchase was successful. 
• If you do not recognize the transaction, we will need to speak with you. We’ll try to reach you by phone and connect you directly to a fraud specialist for assistance.

A text notification from 242–225 or 242–234

These alerts will include information about a recently blocked or suspicious transaction and will give you the option to reply with “Y” or “N” to confirm a purchase.

An automated call from 1-800-267-5193 or 1-866-999-9884

These calls will include information about a recently blocked or suspicious transaction and will give you the option to unblock your card using your keypad.

An email from Alert@CIBCmonitoring.com or fraudalert@cibc.com

These alerts will advise you of potential suspicious activity on your account and will provide a phone number to reach us.