What is WIBDirect Business?

WIBDirect Business is the Internet banking service of The Windward Islands Bank Ltd. WIBDirect Business enables business customers to do banking from a personal computer anywhere, anytime.

What is required to start using WIBDirect Business?

  • Active Business Account(s)
  • Personal Computer with Internet Connection
  • Any contemporary browser (as long as it is W3C compliant), with 128 bit encryption.

What services does WIBDirect Business offer?

  • Balances on Current, Savings, Credit Card, Personal Loan, Personal Mortgage, Time, Investment, and Insurance Accounts
  • Transaction History
  • Verify Status of Individual Checks
  • Retrieve Last 10 Debits and Credits
  • Pay Bills (Make Payments), Locally and Internationally – Make payments to any 3rd party
  • Order Checkbooks
  • Retrieve Online Messaging from The Windward Islands Bank

What does it cost to use WIBDirect Business?

WIBDirect Business has no monthly fee and it has the following transaction fees, with additional charges for Checkbook Orders.

Amount (NAf./USD)
Free of charge
1.05/0.60 per transaction
1.05/0.60 per transaction
Standard fees apply

The password does not work, how can it be reset?

If you have forgotten your password, please call our support staff at (1-721) 546-2880 or (1-721) 546-2881. A reset will be done and a new password issued.

What are the security features of WIBDirect Business?

The safety and security of your online account information has always been a prime concern of The Windward Islands Bank. While your accounts and transactions are highly secured, we are constantly striving to improve this protection.

Where is help available?

Throughout WIBDirect Business, there are context sensitive help screens for your assistance. Click on the Help button in the upper-right corner of each screen. If additional support is required, please send your question or comment via email to or call (1-721) 546-2880 or (1-721) 546-2881.

Account Information

Which accounts can be viewed on WIBDirect Business?

All active accounts you are authorized to view, as well as the account balances of your Credit Card(s), Personal Loan(s), Mortgage(s), Time Deposit(s), Call Account(s), Investment Account(s) and Insurance Policies.

What needs to be done to view additional accounts on WIBDirect Business?

On the main accounts page, there is a link to add additional accounts. Click on the link and fill out the form to request the additional of other accounts to WIBDirect Business.

How far back is it possible to view transactions in WIBDirect Business?

A customer can view current and savings account transactions up to six (6) months back.

Can statements be viewed in WIBDirect Business?

Yes, statements for Current, Statement Savings accounts and all Credit Cards are available in light-weight full color online versions that print in an ink conserving way, or save the full color PDF on your computer.

When can today´s transactions be viewed in WIBDirect Business?

Transactions submitted and processed on WIBDirect Business, or through other bank departments, prior to 4:00 pm on business days will show up WIBDirect Business after 11:00 pm that same day.

Account Transfers

What is an account transfer and how does it work?

An account transfer is moving funds between the Current and/or Savings Account(s) that are set up in WIBDirect Business. Transfers are supported in NAf./USD, USD and Euro currencies. The transfer will occur in the currency of the From account. To transfer funds, select the account you want to transfer funds from and the account you want to transfer the funds to.

Is it possible to transfer Dollars and Euro´s?

Yes, it is possible to transfer US Dollars and Euros if the transfer From account is a Foreign Currency account. It is also possible to make payments from a US Dollar or Euro account.


A bill has been paid but the balance of the account did not change. Why not?

When scheduling a payment, the balance of the selected account will not reflect payment of the amount until payment has been processed during our settlement procedure, between approximately 4:00 and 5:00 pm.

When does the beneficiary of a bill actually get the payment?

If the beneficiary´s account is at The Windward Islands Bank, the payment will be received the same business day. For beneficiaries at other local banks, it takes about 3 days for the payment to be received. Please allow an adequate amount of time for the payment to reach the beneficiary.

Can beneficiaries at other banks be paid via WIBDirect Business?


How can a beneficiary on another island be paid?

If the beneficiary is within the MCBGroup use the Local Payments menu option. If the beneficiary does not have an MCBGroup account, create an International Payment.

How can a beneficiary in the USA or Europe be paid?

Beneficiaries in the USA or Europe can be paid via an International Payment.

How can beneficiaries in the world, other than the USA or Europe be paid?

All international beneficiaries can be paid via an International Payment.

Is it possible to get a confirmation that a payment has been made?

WIBDirect Business generates confirmations both at creation of the payment and at its execution.

Can a local bill be paid from a Dollar or Euro account?

Yes, however, the beneficiary account will be credited in its native (e.g. NAf./USD) currency.


What are the transaction limits?

Transfers and payments are subject to the following daily and amount limits, subject to change by the Bank.

Number per day Amount
per day (NAf./USD)
Amount Single
Transaction (NAf./USD)
20 Unlimited Unlimited
20 25,000/15,000 25,000/15,000
20 25,000/15,000 25,000/15,000
5 25,000/15,000 25,000/15,000

Checkbook Orders

When an application for a checkbook is made, where is the checkbook sent and when can it be picked up?

The checkbook is sent to the pickup branch as specified on the request form. Checkbooks are ready for pickup 2 business days after your online checkbook order.