If you've forgotten your PIN...
If you didn't set up online access when you opened the account...
Test your online / mobile banking set-up.
Once your online access is in place, check your account frequently for unexpected transactions and fees.
If a bank goes out of business, your money will be fine. A government agency called the Canada Deposit Insurance Corporation (CDIC) or its provincial equivalent automatically insures deposits up to $100,000 per account.
Even though your money is insured up to $100,000, you shouldn't keep large balances in your account. Instead, consider moving your money to a savings / investment account to earn additional income.
If you've misplaced your debit card...
If you didn't set up mobile banking...
Set up email / text alerts online (look under 'My Account" or "Account Settings'). Alerts notify you when various things happen with your account:
Set up automatic payments / deposits.
Get familiar with e-transfers. To send an e-transfer, log on to your bank's mobile or online banking.
You may be asked to show ID / answer a few personal questions.