WIBDirect Corporate Frequently Asked Questions


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

What is required to start using WIBDirect Corporate?

  • Active Business Account(s)
  • Personal Computer with Internet Connection
  • The current version or the immediately preceding version of either Microsoft Internet Explorer (IE) or the Google Chrome browser.

What services does WIBDirect Corporate offer?

  • Balances on Current, Savings, Credit Card, Personal Loan, Personal Mortgage, Time, Investment, and Insurance Accounts 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 Corporate?
MCBDirect Corporate has a monthly fee of NAf. 75.00/USD 40.00 +OB which includes 1 Additional Authenticator. The option for sending payment files has an extra monthly fee of NAf. 75.00/USD 40.00 +OB. There is an additional NAf. 10.00/USD 5.60 + OB per month for each additional User ID and an additional one-time NAf. 10.00/USD 5.60 + OB for an extra Additional Authenticator per User ID.

The following transaction fees, with additional charges for Checkbook Orders, applies.

Transaction type
Amount (NAf./USD)
Within own Accounts
1.05/0.60 per transaction
3rd. Party Payments (MCBGroup Inter-island)
1.05/0.60 per transaction
3rd. Party Payments (All other local banks)
1.05/0.60 per transaction
Wire Transfers (International Payments) & Checkbook Orders
Standard fees apply

The password does not work, how can it be reset?
To reset your password, please call our Contact Center at (1-721) 546-2880 or (1-721) 546-2881. One of our bank representatives will be happy to assist you.

What are the security features of WIBDirect Corporate?
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.

Does WIBDirect Corporate account for Segregation of duties?
Segregation of duties can be applied according to organizational structure of the company. Account view and amount limits can be applied to both creation and authorization of transactions, at user level.

Where is help available?
Throughout WIBDirect Corporate, 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 wibdirect-corporate@wib-bank.net or call (1-721) 546-2880 or (1-721) 546-2881.

Account Information

Which accounts can be viewed on WIBDirect Corporate?
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 Corporate?
On the Change Profile page, there is a submenu Add/Remove Additional Accounts. Click on the submenu button and fill out the form to request the addition of other accounts to WIBDirect Corporate.

How far back is it possible to view transactions in WIBDirect Corporate?
A customer can view current and savings account transactions up to thirteen (13) months back.

Can statements be viewed in WIBDirect Corporate?
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. Detailed History can also be downloaded on your PC for import into various accounting software packages.

When can today´s transactions be viewed in WIBDirect Corporate?
Transactions submitted and processed on WIBDirect Corporate, or through other bank departments, prior to 2:00 pm on business days will show up WIBDirect Corporate 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 Corporate. 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.


What payments can be made?
With Payments one can pay anyone with an account at WIB, other local banks, and MCB subsidiaries on the other islands. These payments can be either single payments, group payments or standing orders. International payments can be done by using the Wire Transfers option provided on WIBDirect Corporate.

What is Send File (file upload)?
Files generated in other applications like payrolls and accounts payables can be sent to the bank for processing. Beneficiaries can have accounts at WIB, other local banks or MCB subsidiaries.

A bill has been paid but the balance of the account did not change. Why not?
Payments are processed daily (Mon-Sun) between 8:30 am and 4:30 pm. Payments submitted outside this processing windows are queued until processing starts at 8:30 am. The balance of the selected account will not reflect payment of the amount until the payment has been processed. When scheduling a standing order, 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 immediately. For beneficiaries at other local banks, it takes about 2 days for the payment to be received. Please allow an adequate amount of time for the payment to reach the beneficiary.

How can a beneficiary on another island be paid?
If the beneficiary is within the MCBGroup the same payment procedure applies as with local banks, selecting the beneficiary´s bank from the Bank dropdown list on the Add New Beneficiary page. If the beneficiary's bank does not appear on the dropdown menu list, payment can be executed by means of a Wire Transfer.

How can a beneficiary in the USA or Europe and the rest of the world be paid?
Beneficiaries in the USA, Europe or any other part of the world can be paid by Wire Transfers.

Is it possible to get a confirmation that a payment has been made?
WIBDirect Corporate generates confirmations both at creation of the payment and at its execution. This confirmation number should be kept for your reference and serve to identify the transaction when information is required regarding this payment.

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?
There are no limits in number of transactions that can be done. However, each transaction amount is subdue to the rights as applicable on the account signature list and are subject to the following amount limits, subject to change by the Bank.

Transaction type Number per Day Amount Per Day (NAf./USD) Amount Single Transaction (NAf./USD)
Within own Accounts Unlimited 10,000,000/5,000,000 10,000,000/5,000,000
Bank Vendor List Payments Unlimited 10,000,000/5,000,000 10,000,000/5,000,000
3rd. Party Payments (not vendor list) Unlimited 10,000,000/5,000,000 10,000,000/5,000,000
Wire Transfers (International Payments) Unlimited 10,000,000/5,000,000 10,000,000/5,000,000

Other Bank Services

Can I order a chequebook in WIBDirect Corporate?
Yes, one can choose both the type of chequebook and the quantity of chequebooks that is required. Also the pickup branch can be chosen. The chequebook will be ready for pickup in 3 business days.