A1 Is Banco di Caribe Online 24 hours a day?
Absolutely! Banco di Caribe Online (Service) is available 24X7, in other words: 24 hours a day, 7 days a week. This means that you have access to your accounts at any time, day or night.

A2 If I do not have access to the Internet on a regular basis, can I still use Banco di Caribe Online?
Absolutely! The Service is provided to allow you to access your accounts at your convenience. You can access the Service wherever you are at any time. Just enter the following web site address in the Address line of your browser:
http://www.bancodicaribeonline.com

A3 How do I know if I am logged on or off?
If you are logged on, you will be able to interact with the Service. If you have logged off, or if your session has timed-out, a message is displayed and you cannot interact with the Service.

A4 Does my Password or Passphrase ever expire?
Yes. Your Password and Passphrase will expire every 90 days. You will be notified 7 days in advance when your Password or Passphrase is due to expire.

A5 Does Banco di Caribe Online take up space on my hard drive?
No. For your protection, the Service uses specialized HTTP instructions to prevent the web browser from caching Banco di Caribe Online session information onto your hard disk.

A6 What does the “My Settings” option in Banco di Caribe Online allow me to do?
- Create account nicknames
You can assign a nickname to each of your accounts that you hold at the Bank.
- Select a preferred currency
Banco di Caribe Online will display your account balances in the account’s native currency and in the currency that you choose.
- Create account and currency notifications
You can set your own notification messages to alert you of fluctuations in account balances and currency rates.
- Change your Password and Passphrase
You can change your Password and Passphrase online within an active Banco di Caribe Online session.

A7 What are the requirements for a new user?
- Banco di Caribe bank account
- A User ID and Password to Banco di Caribe Online

A8 What do I need to get started?
- A computer, Internet access and the recommended version browser: Microsoft Internet Explorer 5.0 or higher.
- Apply for the Banco di Caribe Online Service by filling out the application form and submitting it to the Bank.

A9 When can I begin using Banco di Caribe Online?
Once your application has been received, processed, and approved by the Bank, you will be informed hereof and invited to visit the Bank to pickup your Security Codes. In general, this process should not take more than 48 hours.

A10 What is the monthly fee for using the Banco di Caribe Online?
At this time the Bank does not apply a monthly fee for using Banco di Caribe Online, however, the Bank reserves the right to charge a fee at any time.

A11 What can I do through Banco di Caribe Online?
- Check your Banco di Caribe account summary
- View your account balances
- View your account statements
- View transaction details
- Perform various non financial transactions
- View up-to-date exchange rates

A12 Which accounts can I view online?
You can view the following accounts online:
Current Accounts, Savings Accounts, Savings Books, Time Deposits, Mortgage Accounts, Business Loans, Personal Loans, Guarantees & Letters of Credits.

A13 What is the difference between Native Currency and Preferred Currency?
Native Currency: Displays the account balance in the currency in which the account was opened.
Preferred Currency: Displays the account balance in your chosen (preferred) currency and your total net position in your chosen (preferred) currency.

A14 Can I view transactions in all accounts?
Absolutely! In the account Summary List, click on the account balance (native or preferred) of any account and the transactions for that account will be displayed. You can also click on “view statement” in the account detail screen and the transactions for that account will be showed. The following transaction details are displayed:

Reference : Transaction reference number
Date : Transaction posting date
Narrative : Provides a description of the transaction
Debit : Indicates that the amount was debited from the account
Credit : Indicates that the amount was credited to the account
Balance : Indicates the account balance after the transaction was posted

You can also click on any transaction, to get more details about that transaction.

A15 When can I view transactions executed by the bank?
The account information will be refreshed every hour, with exception during back-office processing (Mon – Fri, 7pm – 10pm). So if a transaction was executed at 10.30 a.m. by a teller, the account holder will be able to view it after 11.00 a.m. on the account transactions screen.

Will I be able to make online financial transactions, such as bill payments?
Unfortunately, this service will not be available during the introductory phase. However, it will be introduced shortly hereafter.

A16 What are the non-financial transactions that I can request?
- Cheque book re-order
- Rollover of a Time Deposit
- Request a new standing order until further notice
- Request a new standing order with an end date
- Request an Interest certificate

A17 How do I print in Banco di Caribe Online?
To Print in the Service, you can use the print option in your browser
For Microsoft Internet Explorer 5:
- Click File – menu - Print
- In Print Range item, select All
- In Print Frames item, select As Laid out on Screen
- Click print button

A18 Can I talk to a person?
Absolutely. You can either call the Helpdesk or the Customer Information Center (CIC). Furthermore, within Banco di Caribe Online you can e-mail your Personal Banker with any questions you may have.

A19 What is a Personal Banker?
The Personal Banker is an employee of the Bank who has been assigned to assist you with your requests and inquiries. The Personal Banker is available during office hours only.

A20 Can I use the messaging system to e-mail my friends?
No. The messaging system is only available to users within Banco di Caribe Online. You can send messages to your Personal Banker and to any other users associated with your customer account(s). For example, corporate account and joint accounts may have more than one user.

A21 What if I have a cheque to deposit?
You have the option to deposit your cheque at one of the many SuperKaha’s, a Banco di Caribe ATM, or at one of our branches.

A22 What if I have a cash deposit to make?
You have the option to do this via one of our SuperKaha’s or at one of our branches.

A23 What kind of computer equipment or software do I need?
Hardware: Any Personal Computer with access to the Internet.
Software: Microsoft Windows NT version 4.0 or later, or Windows 95 or later. A web browser preferably Microsoft Internet Explorer 5 or a later version).

A24 I’m a Mac user – will I be able to access Banco di Caribe Online?
Absolutely! To access the Service you can be a Mac user. You simply need a computer, Internet access, and Microsoft Internet Explorer 5 or a later version.

A25 What browser do I need to use Banco di Caribe Online?
In order to access the Service, you must use one of the supported browsers.
The recommended browser is Microsoft Internet Explorer 5 or later. If you do not have this browser you may download it from Microsoft (www.microsoft.com).

A26 What should I do if I do not get a response after clicking on a hyperlink or icon?
Sometimes, the Internet becomes unavoidably slow to respond. If there is a delay in response from when you have clicked something, please wait. Avoid clicking repeatedly on a particular link.

A27 What if I forgot my password?
If you forget your password, you should call Banco di Caribe Online’s helpdesk. For Curacao or Bonaire users please contact the Curacao helpdesk. This number is given to you along with the passwords. Aruba users may contact the Aruba helpdesk.

A28 Can I use Banco di Caribe Online from abroad?
Absolutely! You can use Banco di Caribe Online from anywhere in the world as long as you have a connection to the Internet and a supported browser.

A29 What security measures are used to protect Banco di Caribe Online?
User authentications:
User ID and Password: User ID is a unique code that identifies you when you use the Service. You must also select an alphanumeric password that will be verified every time you log onto the Service. You can change this password online anytime.
Passphrase: is a password to authorize financial and non-financial transactions, you have to enter this password every time you submit a transaction.
SSL Technology:
Banco di Caribe uses the Secure Site Pro services, part of VeriSign’s family of Site Trust Services, which consists of digital certificates. The 128-bit Global Server ID digital certificate, enables our web site customers to verify our site’s authenticity, and to communicate with it securely via state-of-the-art SSL encryption.
All the leading Web browsers are already enabled for SSL and Banco di Caribe uses the 128-bit Global Server ID, we therefore require the 128-bit version of an approved Web browser.

A30 What does SSL mean?
SSL stands for “Secure Socket Layer.” This technology allows users to establish sessions with Internet sites, which are secure, meaning they have minimal risk of external violation. Once inside the Banco di Caribe Online site, you are secure through our use of SSL technology. That guarantees our customers: authentication of Banco di Caribe Online, data encryption and automatic “signoff” after a specified period of inactivity.

A31 What should I do to maintain my security?
Here are some steps you can take to ensure data privacy
- Do not share your User ID or any kind of Passwords with anyone.
- Change your password(s) often (you can do this using the “My Settings” functionality of the Service). A Banco di Caribe employee will never need to know your password(s), and you should never give it to someone claiming that they represent Banco di Caribe.
- Also you should logout from the Service as soon as you finish.
- Never walk away from your computer with your account information on the screen.

A32 What is Cache? Why should I clear it?
Cache is the process your browser uses to store pages on your hard disk as you view them. This enables quick access to often-used pages. Please periodically clear your cache memory in your browser. Use your browser Help option to find out how to clear your cache.

If you have any questions that have not be answered in the FAQ section above,
please contact us at telephone (599) 9 432-3000.