Stronger banking security on any device using your password and a one-time verification code.
An extra layer of security
Before you complete a sensitive transaction that requires greater protection, you will be prompted to enter a one-time verification code.
After your password, it serves as a second check to make sure it’s really you accessing your account.
No more personal verification questions
Don’t worry about having to remember the answers to your personal verification questions anymore. The one-time verification code replaces them.
Unique verification codes
A new 6-digit one-time verification code is generated for each sensitive transaction, but you’ll only be prompted to enter the code once during your CIBC Banking session.
Each code is unique to you, and you will never be contacted and asked to reveal the code over the phone.
The following sensitive transactions may prompt the two-step verification process:
Adding a new Interac e-Transfer® recipient
Updating your contact information
Adding select payees*
Large bill payments
Resetting your forgotten password
Why you need it
If someone gets access to your account, they won’t be able to:
Change your contact information
Transfer money out of your account to theirs
Make unwanted transactions
The two-step verification process forces a second layer of security so that even if someone accesses your account, they won’t be able to make any changes or complete large transactions without a second check.
Follow these simple steps
Completing a sensitive transaction in CIBC Banking takes 2 steps:
1. Select your contact method
Choose to receive the code via text message, email or voice call. Select your option from the dropdown menu.
Note: For account security, we’re no longer sending one-time verification codes to personal or free email services.
Once you receive the code, enter it into the box to complete your sensitive transaction. Verification codes expire in 10 minutes, so enter it immediately to complete your transaction.
If you enter your 6-digitone-time verification code incorrectly 3 times in a row, the code will expire.
Note: When receiving the code via text message, be sure to ignore the number of the sender and code at the end of the text message. This applies to both iOS and Android users.
How can I receive the code?
Text message and email
Get the one-time verification code via text message or email (excluding personal and free email services). They’re the most convenient ways to receive the code. It arrives instantly, and is easy to access when you’re travelling.
If receiving a phone call is more convenient for you, you can receive the one-time verification code via voice call. Make sure we have all of your numbers on file so you can choose which one suits you better.
Select phone providers may block toll-free numbers which prevents you from receiving the one-time verification code through a voice call. Check with your phone provider if you don’t receive the one-time verification code from CIBC.
Please note: Multilanguage sites do not provide full access to all content on CIBC.com. The full CIBC website is available in English and French.