How to Get and Complete the CIBC Pre-Authorized Debit (PAD) Form

The CIBC Pre-Authorized Debit form gives an employer, biller, or government agency the banking details they need to deposit money into your account or withdraw scheduled payments from it. You can get the CIBC pre-authorized debit form through CIBC Online Banking, the CIBC Mobile Banking app, or at any CIBC Banking Centre.1CIBC. Void Cheques It arrives pre-filled with your transit number, institution number, and account number, so most of the work is done before you sign.2CIBC. Payroll, Direct Deposit and Pre-Authorized Debit Form

Where To Get the Form

Three options, depending on how you bank.

Through CIBC Online Banking

Sign in and open the “Manage My Account” dropdown. Select “View cheque/direct deposit info.” A preview of your void cheque appears with your account details filled in. Choose “Open PDF,” then print or save.1CIBC. Void Cheques

Through the CIBC Mobile Banking App

Open the app and tap the account you want to use. Tap “Account Info,” then “View Cheque.” The pre-populated form appears; tap “Open PDF” to save or print it.3CIBC. Download Void Cheque And Set Up Direct Deposit

At a CIBC Banking Centre

If you don’t bank online, walk into any branch and ask for the “Payroll, Direct Deposit, or Pre-Authorized Payment” form. Bring government-issued ID so staff can verify your identity and pull the correct account.1CIBC. Void Cheques

What the Numbers on the Form Mean

Three routing numbers identify your account within the Canadian payments system, and they’re what the form exists to communicate.

If you’re checking against the “My Accounts” screen in online banking, the first five digits are the transit number and the last seven are the account number.2CIBC. Payroll, Direct Deposit and Pre-Authorized Debit Form Confirm you selected the right account before you download, because the form only reflects the one you picked.

Signing and Submitting

Because the routing numbers are already there, completing the form comes down to a quick check and your signature. Make sure the account holder name and address printed on the form match CIBC’s records and match what the biller has on file. A name mismatch is one of the most common reasons a PAD setup gets rejected.

Sign the form. Your signature is the authorization that lets the named third party deposit into or withdraw from your account.3CIBC. Download Void Cheque And Set Up Direct Deposit Most employers and billers accept a digital signature on the PDF, but some payroll departments still require a physical ink signature on a printed copy. Ask the requesting organization which they need.

On a joint account, ask whether both holders need to sign. CIBC generates the form under the primary account holder’s name, and some billers won’t treat a single signature on a joint account as sufficient authorization.

Delivery depends on who asked for it. HR departments usually accept an upload to an employee portal or an email attachment. Utility and telecom companies typically have a billing portal or a retail counter. Government agencies often skip the form entirely: the Canada Revenue Agency, for example, lets you set up a PAD agreement online through My Account without submitting a form at all.5Canada Revenue Agency. Pay by Scheduled Pre-Authorized Debit Through the CRA Online Services

Once the biller has the form, keep enough money in the account to cover the first scheduled transaction. The exact start date can shift if setup takes longer than expected.

Fees To Watch For

The form is free. Failed or disputed transactions are not.

Non-Sufficient Funds Fees

If a scheduled withdrawal hits an account that can’t cover it, CIBC charges an NSF fee of $10.00 CAD on Canadian-dollar personal deposit accounts, effective March 12, 2026. On U.S.-dollar personal accounts the fee is $5.00 USD. CIBC won’t charge more than one NSF fee within a two-business-day window, and no NSF fee applies if the account is overdrawn by less than $10.6CIBC. CIBC Non-Sufficient Funds (NSF) Fee Changes The biller may add its own returned-payment fee on top.

Stop Payment Fees

To block a specific upcoming PAD before it processes, you can ask CIBC for a stop payment. The fee is $12.50 per request when you supply the full transaction details (payee, amount, date), and $20.00 if you can’t.7CIBC. Banking Fees and Service Charges A stop payment only blocks one transaction. The biller can still attempt to withdraw again next cycle unless you cancel the underlying agreement.

Cancelling a Pre-Authorized Debit

You can revoke your PAD authorization at any time by telling the biller. Payments Canada’s Rule H1 sets the framework: after you give notice (written or verbal, with proper identification), the biller has at most 30 calendar days to stop issuing new withdrawals.8Payments Canada. Rule H1 – Pre-Authorized Debits Many billers act faster, but 30 days is the outer limit.

Notice can go by registered mail, email, fax, phone, or through the biller’s website. Payments Canada publishes a sample cancellation form in Appendix VI of Rule H1 if you want a template.8Payments Canada. Rule H1 – Pre-Authorized Debits Keep a copy of whatever you send, and check the next couple of statements to confirm the withdrawals actually stopped.

If Money Is Taken That Shouldn’t Have Been

If a biller withdraws after you cancelled, or takes an amount you didn’t authorize, you have 90 calendar days from the date the funds left your account to ask CIBC for reimbursement. Contact the bank, explain what happened, and file a claim. Past 90 days, CIBC is not required to reimburse you, so move quickly when you spot an unauthorized charge.9Financial Consumer Agency of Canada. Pre-Authorized Debits

This 90-day reimbursement right applies to personal PAD agreements. Business PADs follow different rules with narrower grounds for reversal, so check the terms of the agreement if the account is a business one.