Online Banking FAQs

What is Online Banking and how much does it cost?

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

What do I need to bank online?

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 also available on the Bank’s website.

How soon will I be able to access my account information after I sign up for Online Banking?

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.

What accounts can I access with Online Banking?

You can access the following on Online Banking: Checking, Savings, Certificates of Deposits, Loans

What will I be able to do with Online Banking?

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

How current is the information displayed in Online Banking?

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.

Will there be times when I will not be able to access my account?

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

Are there limits on the number of transfers I can make?

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


Is Online Banking safe?

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.

What is encryption, and how does it make everything more secure?

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.

How do I know if I’m viewing a secure Web page?

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.

Using Online Banking

Once I sign up, what happens?

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 and provide answers to 3 secret questions.

I share my accounts with someone. Do we both need a user name and password?

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

Can I tell my User ID and password to someone else?

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.

What can I do with my accounts?

  • Transfer funds between eligible accounts.
  • Make bill payments (ANGLEC, Lime, Digicel, Comprehensive Learning Center, Caribbean Cable Communications, Water Corporation, Inland Revenue, Ashely and Sons, JW Proctors and Caribbean Credit Card Corporation (4C’s).
  • Make payments from checking or savings to loan accounts with us.
  • View account information, cheques and current balance.
  • View current transactions, view a date range of transactions
  • Download account information.
  • Order cheques, request stop payments and bank drafts,
  • Print statements

How late in the day can I transfer funds?

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.

1 (264) 497-2101
1 (264) 497-2571
St. Mary's Street, The Valley
Mon - Thur. 8 a.m. to 2 p.m.
Fri. 8 a.m. to 4 p.m.