{"id":825122,"date":"2019-12-24T00:50:07","date_gmt":"2019-12-24T05:50:07","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=825122"},"modified":"2026-03-09T18:31:40","modified_gmt":"2026-03-09T22:31:40","slug":"refund-fraudulent-debit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/refund-fraudulent-debit-card","title":{"rendered":"Debit card fraud: Will a bank refund an unauthorized transaction in Canada?"},"content":{"rendered":"<p>Will a bank refund an unauthorized transaction in Canada? While provider policies can vary, you\u2019re often entitled to a refund if there are unauthorized transactions on your debit card, provided certain conditions are met. Keep reading to learn the steps you can take to get a refund, what you should do if you notice fraudulent activity and how to prevent fraudulent charges in the future.<\/p><h3>Will a bank refund unauthorized transactions in Canada?<\/h3><p>Yes, Canadian banks typically refund unauthorized transactions because most financial institutions follow the Canadian Code of Practice for Consumer Debit Card Services. While this code is voluntary, all federally regulated banks have adopted it and the Financial Consumer Agency of Canada (FCAC) monitors their compliance.<\/p><p>The code states that banks are required to investigate unauthorized debit transactions and reimburse customers for their losses if they took reasonable care to protect their card and PIN and reported the issue within a specified time frame (typically within 30 days of the statement date).<\/p><p>All federally regulated financial institutions must have a complaint-handling procedure in place, so check your bank\u2019s policies and report any unauthorized transactions as soon as possible to get a refund.<\/p><h3><img decoding=\"async\" class=\"wp-image-1041643 alignright\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/credit-debit-card-icon_Finder_500x500.png\" alt=\"debit credit card icon\" width=\"140\" height=\"140\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/credit-debit-card-icon_Finder_500x500.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/credit-debit-card-icon_Finder_500x500.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/credit-debit-card-icon_Finder_500x500.png?fit=420 420w\" sizes=\"(max-width: 420px) 100vw, 420px\" loading=\"lazy\">The 4 steps to get a refund on debit card fraud<\/h3><p>If you\u2019re the victim of debit card fraud, you\u2019ll most likely be able to get your stolen money refunded by following these steps.<\/p><h4>Step 1: Gather any documentation<\/h4><p>You should first gather together any documents proving that you\u2019re the victim of debit card fraud, which you can then pass on to the merchant and bank when you make your claim. Acceptable proof documentation can include copies of receipts, account statements and your own notes on how and when you noticed the unauthorized transaction. If you\u2019ve previously spoken to the merchant, get copies of any documentation between you and the merchant, including emails and chat history.<\/p><h4>Step 2: Contact the merchant or website<\/h4><p>It\u2019s important to first contact the merchant where the fraudulent transaction took place so that it can verify the transaction details. Especially if the unauthorized transaction was done online, it might be as easy as a technological error causing an accidental overcharge, which can be easily refunded. If the merchant cooperates with you, it could mean less hassle later, especially if you tell them that you\u2019re putting in a claim with your card provider.<\/p><h4>Step 3: Contact your card provider<\/h4><p>Your provider will likely have a claims process in place, so follow any instructions they set out. In most cases, you can start by calling your bank\u2019s customer service number or going to talk to someone at a branch. It\u2019s best to start the claims process as soon as you\u2019ve realized you can\u2019t get your money back any other way.<\/p><h4>Step 4: Keep an eye on your accounts<\/h4><p>As your card provider or merchant is investigating your claim, you should continue to monitor your account. Hopefully, the protection measures your bank put in place, like deactivating your debit card, will prevent any further unauthorized transactions, but it\u2019s still important to be careful. Check all of your bank accounts, debit card statements and credit report over the next several months for suspicious activity.<\/p><p>In most cases, getting a new debit card will be enough to stop any future fraudulent charges. However, if you continue to see multiple unauthorized charges, and depending on the results of your bank\u2019s claims investigation, you may need to file a police report.<\/p><h3>Do banks refund scammed money?<\/h3><p>Banks aren\u2019t obligated to refund scammed money because, in many scams, victims typically authorize the payment. For example, they may send money to a fake seller or invest in a fraudulent scheme. So, if your financial institution investigates the transaction and finds you at fault, they\u2019re not legally required to refund your scammed money.<\/p><p>If you fall victim to a scam, you should still contact your bank immediately, as it may be possible to freeze or recover the funds if the transfer hasn\u2019t cleared yet.<\/p><h3>Types of debit card fraud<\/h3><p>There are several different ways a fraudster could get your debit card information:<\/p><ul><li><strong>Skimming device.<\/strong> The scammer can attach a skimming device to an ATM, gas pump or anywhere else you swipe your card and steal information from your card\u2019s magnetic strip.<\/li><li><strong>Hacking a retailer\u2019s online system.<\/strong> Hackers can gain illegal access to companies you\u2019ve shopped at in the past and steal your information. They can also steal this information if you shop online at sites that don\u2019t have a secure connection.<\/li><li><strong>Stealing your physical card.<\/strong> A stranger, family member, disgruntled employee or anyone else could steal your physical debit card when you\u2019re not looking and use it for purchases.<\/li><li><strong>Phishing.<\/strong> This happens when a fraudster tricks you into thinking you\u2019ve received a legitimate email from someone you trust, so you provide personal information.<\/li><li><strong>Intercepting mail.<\/strong> Scammers could steal your debit card out of your mailbox \u2014 before you\u2019ve even had time to realize it\u2019s there \u2014 and then use it to make fraudulent purchases.<\/li><\/ul><h3>Debit card fraud: Know your rights<\/h3><p>If someone makes unauthorized transactions using your debit card, it\u2019s important to know your rights so you can get a refund. Here\u2019s what the Financial Consumer Agency of Canada has to say.<\/p><h4>Zero liability for unauthorized losses<\/h4><p>If you took reasonable precautions to protect your PIN and account information, Visa, Mastercard, Interac and American Express will typically reimburse you in full. This covers use in stores, at ATMs, online or via point-of-sale terminals.<\/p><p>Situations beyond your control, like technical malfunctions or fraud after you\u2019ve reported your card lost or stolen, don\u2019t result in liability.<\/p><p>You can access the zero liability policies of popular card providers using the links below:<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-9\"><li><a href=\"https:\/\/www.visa.ca\/en_CA\/pay-with-visa\/security.html#2\" target=\"_blank\" rel=\"noopener noreferrer\">Visa Zero Liability Policy<\/a><\/li><li><a href=\"https:\/\/www.mastercard.ca\/en-ca\/about-mastercard\/what-we-do\/terms-of-use\/zero-liability-terms-conditions.html\" target=\"_blank\" rel=\"noopener noreferrer\">Mastercard Zero Liability Protection<\/a><\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-9\"><li><a href=\"https:\/\/www.americanexpress.com\/ca\/en\/benefits\/service-security\/fraud-protection\/?intlink=ca-acq-loy-shopconfidently-main-HowWeprotectYou-Fraudprotection-LearnMorel\" target=\"_blank\" rel=\"noopener noreferrer\">American Express Fraud Protection Policy<\/a><\/li><li><a href=\"https:\/\/www.interac.ca\/en\/zero-liability.html\" target=\"_blank\" rel=\"noopener noreferrer\">Interac Zero Liability Policy<\/a><\/li><\/ul><\/div><\/div><h4>Right to a full investigation<\/h4><p>If you dispute a transaction, federally regulated financial institutions must fully investigate, regardless of how the transaction occurred. They must also consider all relevant circumstances that could have contributed to the unauthorized use, such as technical errors, coercion and \u201cshoulder surfing,\u201d where someone observes you enter your PIN.<\/p><h4>Time limits for disputes<\/h4><p>Most financial institutions set a time frame for disputes, typically 30 days after the date of your statement. If you dispute an unauthorized transaction outside of the set time limit, you likely won\u2019t get a refund.<\/p><h4>Your responsibilities<\/h4><p>To ensure you\u2019re fully protected and receive a refund for unauthorized transactions, you must:<\/p><ul><li>Report lost or stolen cards<\/li><li>Notify your card issuer of unauthorized or suspicious transactions immediately<\/li><li>Keep your PIN confidential<\/li><li>Avoid choosing a PIN that\u2019s easy to guess<\/li><li>Use different PINs for different accounts and cards<\/li><\/ul><p>If you fail to fulfill these responsibilities, you may be found partially or fully liable for unauthorized losses and won\u2019t receive a refund.<\/p><h3>What to do if you\u2019ve been scammed<\/h3><ol><li><strong>Contact your bank immediately.<\/strong> Call your bank\u2019s fraud department as soon as you notice suspicious activity and ask them to freeze or close your account to prevent more transactions.<\/li><li><strong>Change all your passwords. <\/strong>To avoid further scams, change all your financial passwords. When you get your new debit card, be sure to change your PIN as well.<\/li><li><strong>Report the fraud.<\/strong> Notify the police, Canadian Anti-Fraud Centre, Canada Revenue Agency (CRA) and credit bureaus to create an official record of the crime, alert tax authorities to stop potential identity misuse and protect your credit by flagging suspicious activity.<\/li><li><strong>Document everything. <\/strong>Keep records of all communications with your bank, including times, dates and the names of the representative you speak with. Save bank statements, screenshots and emails related to the scam as well to help with the investigation and protect yourself from potential disputes.<\/li><li><strong>Follow up with your bank.<\/strong> It can take several business days to investigate fraud, but your bank should update you on the status of your claim. If the bank refuses to refund you and you disagree with the decision, you can escalate the case to an ombudsman like the Ombudsman for Banking Services and Investments (OBSI). An ombudsman will review your complaint, investigate fairly and try to find a resolution that\u2019s acceptable to both parties.<\/li><li><strong>Consider a new bank. <\/strong>If you\u2019re not happy with how your financial institution handled the scam, you may want to consider finding a new one. Review our list of the <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">best new bank account offers<\/a> to find one that suits your needs.<\/li><\/ol><h3>How to avoid debit card fraud<\/h3><p>The best way to deal with debit card fraud is to prevent it from happening in the first place. Follow these steps to keep your debit card and financial information safe:<\/p><ul><li><strong>Store your debit card in a secure location.<\/strong> Don\u2019t leave your debit card lying around or keep it in an open pocket.<\/li><li><strong>Don\u2019t write down your PIN.<\/strong> Memorize your PIN so you don\u2019t have any written copies of your PIN number.<\/li><li><strong>Use a PIN number that\u2019s difficult to guess.<\/strong> Avoid using your birthday or phone number.<\/li><li><strong>Don\u2019t give out your debit card or PIN number.<\/strong> Even if you trust the person you want to give your card to, they may not be as careful with it as you would be.<\/li><li><strong>Try to hide your PIN<\/strong>. Use your body or the other hand when entering your PIN at the debit terminal.<\/li><li><strong>Keep a close eye on your debit card<\/strong> anytime you\u2019re using it. Some people may try to distract you in order to steal your card.<\/li><li><strong>Monitor your account statements<\/strong> often to check for any suspicious activity.<\/li><li><strong>Set up account alerts<\/strong> to get notified each time you make a transaction over a certain limit.<\/li><li><strong>Make sure your network is secure<\/strong> when shopping online by checking for the green padlock symbol next to the URL. This ensures you\u2019re using a secure site, which encrypts your data and lowers your chances of having your information stolen.<\/li><li><strong>Shred paper statements.<\/strong> If you still get paper statements, make sure you dispose of them properly by shredding them. That way, no one can dig through your trash and steal your financial information.<\/li><li><strong>Disable overdraft protection.<\/strong> When overdraft protection is enabled, your bank may transfer money from your savings account once your checking balance hits $0. This means that a fraudster could drain both of your accounts if they continuously overdraw on your account without you knowing.<\/li><\/ul><h3><strong>Are credit cards safer than debit cards?<\/strong><\/h3><p>With the rise of identity theft and fraudulent transactions, more people are shying away from debit cards and relying on credit cards because they\u2019re worried about security. But the <a href=\"https:\/\/www.finder.com\/ca\/banking\/best-bank-in-canada\">best banks in Canada<\/a> typically offer debit cards with a zero liability guarantee, which protects consumers against any fraudulent transactions, and microchip technology \u2014 so security shouldn\u2019t be your main worry.<\/p><p>Many people opt to use a credit card over a debit card because when someone illegally uses your credit card, they\u2019re stealing money from a financial institution, not from you. As a result, the financial institution works really hard to get <em>its<\/em> money back. But when your debit card is used illegally, money is stolen directly from your account. It usually takes longer to dispute the charges, and your dollars are on the line if you can\u2019t get your money back.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<\/div>\n<\/article><\/p><h3>How do financial institutions investigate unauthorized transactions and fraud?<\/h3><p>After you report the unauthorized transaction or fraud, financial institutions may follow these steps to investigate:<\/p><ol><li><strong>Gather information. <\/strong>Your financial institution may ask for details like the transaction date, amount, merchant information and any support documentation you can provide, such as receipts.<\/li><li><strong>Verification with the merchant.<\/strong> Then, it may contact the merchant or payment processor to confirm transaction details and check if the transaction was legitimate or potentially fraudulent.<\/li><li><strong>Review of account activity. <\/strong>The financial institution will then review your recent account activity for other suspicious transactions or patterns that might indicate fraud.<\/li><li><strong>Assessment of customer responsibility.<\/strong> If negligence is found, you may not be eligible for a refund.<\/li><li><strong>Decision and communication. <\/strong>Once the investigation concludes, you\u2019ll be informed of the result. If the transaction is deemed unauthorized, you should receive a refund.<\/li><\/ol><h3>Bottom line<\/h3><p>Many banks offer <a href=\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\" rel=\"noopener noreferrer\">debit cards<\/a> backed by zero liability policies that protect you from unauthorized purchases and allow you to get a refund. But this isn\u2019t a catch-all solution for fraud, because you may be found liable or limited in the amount of time you have to recognize a fraudulent purchase and make a claim.<\/p><p>Not all card issuers offer such a guarantee, and those that do have different policies, so you need to check with your issuer to find out exactly what type of coverage you have.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How long does it take a bank to refund money from an unauthorized transaction?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on your financial institution. For example, TD says an investigation can take up to 30 days, while CIBC says it can take 120 days. If you want a faster refund, report any suspicious activity as soon as possible and provide all requested documentation promptly.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Am I liable for unauthorized transactions if I didn't report them right away?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you may lose some or all protection if you fail to report unauthorized transactions within the bank's specified timeframe.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What should I do if my debit card is lost or stolen?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Report a lost or stolen card immediately to your card provider, so your bank can stop all transactions on your account and issue a replacement card. You can report a lost or stolen debit card by contacting your bank's customer service number. Some online banks allow you to easily report a stolen card directly through their banking app. Once you've reported your lost or stolen card, your card provider could respond by:<\/p><p><strong>Deactivating your debit card.<\/strong> In order to make sure that no additional fraudulent charges can be made with your debit card, your card provider might temporarily freeze or deactivate your card. If your card is deactivated, you'll be sent a new one in the mail and you'll have to set a new PIN.<\/p><p><strong>Freezing your account.<\/strong> If the unauthorized transaction came directly from your account as a money transfer, the bank will likely freeze your account to make sure no one can withdrawal anymore money illegally. Depending on how the investigation goes, you may be required to close your current account and open a new.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000003\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000003\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>\n<div class=\"contentFeed contentFeed--relatedPosts\">\n            <h3 class=\"contentFeed__title\">More banking guides from our experts<\/h3>\n        <div class=\"contentFeed__carousel\" data-post-count=\"6\">\n                                    <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"3\" style=\"--items-in-view: 3\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Bank Canada. 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data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">Best free (no-fee) chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare the features of 8 of the best no-fee chequing accounts in Canada, and find out how to avoid transaction fees.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Best new bank account offers\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">14 best new bank account offers for April 2026<\/a>            <\/p>        <\/header>        <p>Earn cash, rewards points, bonus interest rates and more with these new bank account offers and promotions.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\/best-bank-account-for-teens\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Teen Kid Holding Piggy Bank\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Kids Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\/best-bank-account-for-teens\">Best youth bank accounts in Canada<\/a>            <\/p>        <\/header>        <p>Learn about the different types of bank accounts for your teenager and how to choose the right one.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">Best chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare chequing accounts and learn about our top picks. Compare different features and see which one is right for you.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Typing on laptop\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">Open a bank account online in Canada in 5 easy steps<\/a>            <\/p>        <\/header>        <p>Compare and open a bank account online in Canada in as little as 5 minutes. Learn what you need to apply and how to get started today. <\/p>                    <\/div>        <\/article>            \n<\/div>\n                \n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>If you&#8217;ve fallen victim to debit card fraud, you may be eligible to receive a refund. Learn more in our comprehensive guide to debit card fraud.<\/p>\n","protected":false},"author":1395,"featured_media":1033571,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/refund-fraudulent-debit-card","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[5885],"tags":[1517,5548,2241,2337,3835],"asset_tag":[],"class_list":["post-825122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debit-cards","tag-banking","tag-debit-card","tag-financial-fraud","tag-fraud","tag-savings"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will Banks Refund Unauthorized Transactions in Canada? | Finder<\/title>\n<meta name=\"description\" content=\"Will a bank refund an unauthorized transaction? 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