Online Banking enables you to access your accounts electronically through a computer via the Internet. There is no charge for this service.

To bank online you will need:

• an account or a loan at our Bank
• internet access
• a browser with the proper encryption capabilities

To enroll, please stop by your local branch. Online Banking Application forms are available on the Bank's website.

Once you have signed the enrollment forms, you should be able to access your account immediately. Please contact us if you are unable to sign on once you have enrolled.

Checking, Savings, Certificates of Deposit, Loans

View account balances, account history or statements, transfer funds between accounts, download transactions, pay bills and make loan payments.

The available balance for checking and savings accounts is "real-time" and will change throughout the day based on your activity. However, transactions that are not done online will reflect in the balance but will not be reflected in the transaction history on the same day. They will show up the next day in transaction history.

The system is available 7 days a week, 24 hours a day, and has an extremely high "up time" percentage.

The Online Banking system does not limit the number of transfers you can make.

We, and our service providers, have established security procedures and have firewalls in place in an attempt to prevent unauthorized access to accounts and transactions. The system uses the most up-to-date encryption methods and software.

Encryption is when something is rewritten in code, which can then be decoded later with the right key. The effectiveness of encryption is in the number of bits. The higher the number of bits, the better the encryption is. In our pursuit to maintain security on our Online Banking product at the strongest available level, the encryption standard for Online Banking is 128-bit. This means all users will be required to use a browser with the 128-bit standard.

If you are currently using Microsoft Internet Explorer, look for the padlock in the lower right corner. If the lock is in the "open" position, the page is not secure. If it is in the "locked" position, the page is secure. If you are currently using Netscape Navigator, look in the location window to see whether the page address is listed as "http" (not secure) or "https" (secure). Depending on the version of Navigator you are using, there also may be an unlocked padlock or broken key in the bottom left corner of the window to indicate a non-secure page, or a locked padlock or intact key to indicate a secure page.

You will receive your Online Banking login information personally. The first time you log on to Online Banking, you will need to change your password.

Yes, we will give each individual a user name and password if you both wish to access your accounts using Online Banking.

Because your User ID and Password are used to access your accounts, you should treat them as you would any other sensitive or personal data. Memorize your password and never tell it to anyone.

• Transfer funds between eligible accounts.
• Make bill payments (ANGLEC, Cable & Wireless, Caribbean Cable Communications and Caribbean Credit Card Corporation (4C's).
• Make payments from checking or savings to loan accounts with us.
• View account information and current balance.
• View current transactions, view a date range of transactions
• Download account information.
• Order cheques, request stop payments

Transfers made on business days before 5:00 P.M. will be processed on that business day. Transfers made after 5:00 P.M. will be processed on the next business day. The available balance on your account will reflect your transfers immediately.