At WIB we work for you!! - Windward Islands Bank

1WIB@HOME (Personal Accounts)WIB@HOME (Personal Accounts)What is WIB@Home?WIB@Home is the Internet banking service ofThe Windward Islands Bank Ltd. that enablespersonal customers to do banking from a personalcomputer anywhere, anytime.Application Submission:https://www.wib-home.comWhat is required to start usingWIB@Home?• Active Personal Current and/or SavingsAccount(s).• WIB Bankomatiko Smart Card.What services does WIB@Home offer?• Balances on Current Accounts, SavingAccounts, Credit Cards, Personal Loans,Personal Mortgages, and Time Accounts.• Transaction History on Current Accounts,Savings and Credit Cards.• Verify Status of Individual Cheques.• View last 10 Debits and Credits.• Pay Bills (Make Payments), Locally andInternationally.• Make payments to any 3rd party.• Order cheque books.• Place Stop-payment on Lost or StolenCheques.• Retrieve Online Messaging from TheWindward Islands Bank.• View Statements Online.What does it cost to use WIB@Home?WIB@Home is free of charge, with the exceptionof standard charges applicable toprocess Stop Payments, Cheque book ordersand Swift (Wire) Transfers. At some point, WIBmay find it necessary to charge forWIB@Home services. We will notify you wellin advance if this should occur.If the password does not work, how do Ireset it?If you have forgotten your password, pleasego online, click on the password reset buttonand complete the form. Your password is

eady for pick up after two business days atthe main branch in Philipsburg, St. Maarten.Saba and St. Eustatius will be sent to respectivebranches.Where is help available?Throughout WIB@Home, there are contextsensitive help screens for your assistance.Click on the HELP button in the upper-rightcorner of each screen.If additional support is required, please sendyour question or comment via email tohome@wib-bank.net or call (599) 546-2880or (599) 546-2881(Personal Accounts) 2WIB@HOMEACCOUNT INFORMATIONWhich accounts can be viewed onWIB@Home?All active Personal and/or Savings accountscan be viewed, as well as the account balancesof your Credit Card(s), Personalloan(s), Mortgage(s), Time Deposit(s).What needs to be done to view additionalaccounts on WIB@Home?On the main accounts page, click on changeprofile, complete the form and submit, theaccounts will be added at the bank.How far back is it possible to view transactionsin WIB@Home? A customer can viewCurrent and Savings account transactions upto six (6) months before.Can Current Account (personal) statementsbe viewed on WIB@Home?Yes.When can today’s transactions be viewedon WIB@Home?Transactions submitted and processed onWIB@Home, or through other bank departments,prior to 2:00 p.m. on business dayswill show up on WIB@Home after 11:00 p.m.that same day.

3WIB@HOME (Personal Accounts)ACCOUNT TRANSFERSWhat is an account transfer and how doesit work?An account transfer is moving funds betweenthe Current and/or Savings Account(s) thatare setup in WIB@Home. Transfers are supportedin NAF., USD and Euro currencies.The transfer will occur in the currency of the“From” account.To transfer funds, select the account youwant to transfer funds from and the accountyou want to transfer the funds to.Is it possible to transfer Dollars andEuros?Yes, it is possible to transfer US Dollars andEuros If the transfer From account is aForeign Currency account. It is also possibleto make payments from a US Dollar or Euroaccount.PAYMENTSA bill has been paid but the balance of theaccount did not change. Why not?When scheduling a payment, the balance ofthe selected account will not reflect paymentof the amount until payment has beenprocessed during our settlement procedure,between approximately 4:00 p.m. and 5:00p.m.When does the beneficiary of a bill actuallygets the payment?If the beneficiary’s account is at TheWindward Islands Bank, the payment will bereceived the same business day. For beneficiariesat other local banks, it takes about 3business days for the payment to bereceived. Please allow an adequate amountof time for the payment to reach the beneficiary.Can beneficiaries at other banks be paidvia WIB@Home?Yes.

How can a beneficiary on another islandbe paid?If the beneficiary is within the MCB Group thesame payment procedure applies as withlocal banks, selecting the beneficiary’s namefrom the bank drop down menu on the paymentpage. If the beneficiary’s name does notappear on the drop down menu list, paymentcan be executed by means of a wire transfer.How can a beneficiary in the USA orEurope be paid?Beneficiaries in the USA or Europe can bepaid by wire transfers.(Personal Accounts) 4WIB@HOMEIs it possible to get a confirmation that apayment has been processed.WIB@Home generates confirmations both atcreation of the payment and at its execution.LIMITSWhat are the transaction limits?Transfers and payments are subject to the followingdaily and amount limits which are subjectto change by the Bank.TRANSACTION NUMBER AMOUNT AMOUNTTYPE PER DAY PER DAY SINGLETRANS-ACTIONWithin own 10 NAF. 10,000 NAF. 10,000Accounts US$ 5,000 US$ 5,000BankVendor List 10 NAF. 10,000 NAF. 10,000Payments US$ 5,000 US$ 5,0003rd. PartyPayments 10 NAF. 5,000 NAF. 5,000(not vendor list) US$ 2,500 US$ 2,500Wire Transfers 5 NAF. 5,000 NAF. 5,000US$ 2,500 US$ 2,500

5WIBDIRECT Business (Small & Medium Sized Business)WIBDirect Business(Small & Medium Size Business)What is WIBDirect Business?WIBDirect Business is the Internet bankingservice of The Windward Islands Bank Ltd.that enables small to medium sized businesscustomers to do banking from a personalcomputer anywhere, anytime.Application Submission:https://wibdirect.wib-bank.netWhat is required to start using WIBDirectBusiness?• Active Business Account(s).• User lD, which is provided by the bank.What services does WIBDirect Businessoffer?• Balances on Current Accounts, SavingsAccounts, Credit Cards, Personal Loans,Personal Mortgages, and Time Accounts.• Transaction History.• Verify Status of Individual Cheques.• View Last 10 Debits and Credits.• Pay Bills (Make Payments), Locally andInternationally.• Make payments to any 3rd party.• Order Cheque books.• Place Stop-Payment on Lost or StolenCheques.• Retrieve Online Messaging from TheWindward Islands Bank Ltd.• View Statements Online.What does it cost to use WIBDirectBusiness?WIBDirect Business has no monthly fee but ithas the following transaction fees, with additionalcharges for Stop Payments andCheque book Orders.Transaction typeWithin own AccountsBank Vendor Listpayments3rd. Party Payments(not vendor list)Wire TransfersAmount NAF.Free of charge1.05 pertransaction1.05 pertransactionStandard fees apply

6The password does not work, how can itbe reset?If you have forgotten your password, pleasego online, click on the password reset optionbutton and complete the form. Your passwordis ready for pick up after two businessdays at the Philipsburg branch in St. Maarten.Where is help available?Throughout WIBDirect Business, there arecontext sensitive help screens for your assistance.Click on the HELP button in the upperrightcorner of each screen. If additional supportis required, please send your question orcomment via email to wibdirectbusiness@wib-bank.netor caIl (599) 546-2880 or (599) 546-2881.ACCOUNT INFORMATIONWhich accounts can be viewed onWIBDirect Business?All active accounts you are authorised toview, as well as the account balances of yourCredit Card(s), Personal Loan(s),Mortgage(s) and Time Deposit(s).WIBDIRECT Business (Small & Medium Sized Business)What needs to be done to view additionalaccounts on WIBDirect Business?On the main accounts page, click on changeprofile, complete the form and submit. Theaccounts will be added by the bank.How far back is it possible to view transactionsin WIBDirect Business?A customer can view current and savingsaccount transactions up to six (6) monthsbefore.Can Business Current Account statementsbe viewed in WIBDirect Business?Yes.When can today’s transactions be viewedin WIBDirect Business?Transactions submitted and processed onWIBDirect Business or through other bankdepartments, prior to 2:00 p.m. on businessdays will show up in WIBDirect Business after11:00 p.m.

9WIBDIRECT Corporate (Large Sized Business)What is WIBDirect Corporate?WIBDirect Corporate is designedspecifically for large sized businesses.What is required to start using WIBDirectCorporate?• Personal Computer – 32 MB RAM and 15MB free disk space.• Microsoft Windows Operating System.• Client software provided by the bank.• Access to Internet and browser typeInternet Explorer.Application Submission via the Registerbutton on:https://direct.mcbgroupebanking.com/wiblogin/corporate_AuthenticateUserLocalEPF.htmlAdditional Application requirements:• 2 different types of identification from eachuser.• Chamber of Commerce Registration.• Signature List.What services does WIBDirect Corporateoffer?Viewing Features• Detailed transactions for Current, Savingsand Credit Card accounts up to 6 months.Download possibilities into industry standardformats.• View balance of Loan Accounts, TimeDeposit, Investment Account andInsurance Policies.• View Pending transactions.• Verify Status of individual cheques.• Easy retrieval of last 10 debits/credits onCurrent and Savings accounts.• Statement of Current Accounts and CreditCards.• Confirmation of payment notifications.

10Payment Features:• Payment within own accounts.• Payment to 3rd parties and Vendor payment- (incl. local bank Payments and Inter IslandTransfers).• Standing Orders.• Wire Transfer Requests.• Group Payments (Batches).• File transmission a.o. externally generatedPayroll Files.Other Features:• Cheque Book Orders.• Place stop payments on lost/stolen cheques.• Read/Send Mail.• View foreign currency exchange rates.Security and User Features:• Password.• 2nd factor authentication – Certificate.• Assign Multiple Users with defined access,also option for dual control.WIBDIRECT Corporate (Large Sized Business)What does it cost to use WIBDirectCorporate?• Registration Fee - None• Monthly Fee – NAF 78.75 / US$ 43.27For each additional user NAF 19.00 /US$ 10.51 is added to Monthly Fee.• Payment within own Account - NAF 1.05 /US$ 0.59.• Payment 3rd Party – NAF 1.05 /US$ 0.59.• Wire Transfer Request - Standard Fee.• Order Cheque Books - Standard Fee.• Place stop payments on lost/stolen cheque -Standard Fee.What are the Transaction limits?There are no Transaction Limits.

CHEQUE BOOK ORDERSWhen an application for a cheque book is submittedwhere is the cheque book sent and whencan it be picked up?The cheque book is sent to the branch of yourchoice. Cheque books are ready for pickup 2 businessdays after your online cheque book order.At WIB we work for you!!Clem Labega SquareP.O. Box 220Philipsburg, St. MaartenTelephone: (599) 542-2313Fax: (599) 542-4761www.wib-bank.netBLUEORANGE DESIGNWIBONLINE-07-7/2011