Personal Customers FAQ

FirstCaribbean Internet Banking is one of several FirstCaribbean electronic banking services offered to our customers in all of the 15 countries in which we operate.

In addition to FirstCaribbean Telephone Banking, and our extensive branch and ABM network, FirstCaribbean Internet Banking will save you time and offer you the flexibility to access your accounts any time, anywhere, from wherever you have access to the Internet.

• Do you want to keep up-to-date on the balances in your registered FirstCaribbean accounts in any country?
• Do you need to transfer money between your registered savings/call accounts and your chequing/International current accounts held in local and foreign currencies in any country where FirstCaribbean operates?
• Do you want to know if specific cheques you have issued have been deposited yet?
• Do you have bills for services such as telephone and electricity to pay?
• Do you need to make payments on your FirstCaribbean Credit Cards?
• Do you need to make a Third Party Payment in a local or foreign currency from your registered FirstCaribbean accounts?
• Do you need to wire funds to someone with an account at an international bank?

Save yourself a trip to the bank and the inconvenience of queuing! You can do these transactions quickly and easily using FirstCaribbean Internet Banking, where you have access to your accounts 24 hours a day, 7 days a week, from any computer with an Internet connection.

FirstCaribbean Internet Banking is easy to use. Try out our demo. Once you see for yourself, you'll want to register right away!

• You can view your balances and transaction history (up to the last 6 months)
• Download chequing/International current and savings/call account histories to your computer for tracking, reporting and analysis.
• Transfer funds between chequing/International current and savings/call accounts in any currency and any country where FirstCaribbean operates
• You can also pay your bills directly from your registered FirstCaribbean accounts to any of the registered Bill Payment Companies in your country
• You can make payments to any of your registered FirstCaribbean Credit Cards directly from your registered FirstCaribbean accounts.
• You can make Third Party Payments in local and foreign currencies to other individuals or businesses with a FirstCaribbean account, once your account and the other party's account are in the same country.
• You can make International Wire Transfers online to any individual or business with an account at virtually any bank in the world. For more information, please see 'International Wire Transfers'

For a more complete demonstration of all the current features and functions of FirstCaribbean Internet Banking, view the Online Demo.

FirstCaribbean Internet Banking is available 24 hours a day, 7 days a week, 365 days a year, except for brief intervals when the system is taken off-line for maintenance. This is scheduled at times when it is least likely to interfere with your use of the service. When this happens, you will still be able to check your account balances/histories but you may not be able to transfer funds.

FirstCaribbean Internet Banking is available for free, which provides you with unlimited access to FirstCaribbean Internet Banking. So you can use this service as often as you like and not have to pay additional access fees.

For specific transactions, such as ordering chequebooks and stop payments, regular branch charges will apply. You can still perform these transactions at your local branch or by contacting our Customer Service Agents. Relationship-managed customers may also contact your Relationship Manager or Business Banker.

For help while using FirstCaribbean Internet Banking, click on the 'Help' button that appears on every screen. If you require further assistance, please call a Customer Service Agent.

A list of contact numbers and hours of operation of our Customer Service Agents can be found here.Relationship-managed customers may also contact your Relationship Manager or Business Banker. For help with your computer or Internet service, please call your computer vendor or your Internet Service Provider.

It's easy to register for FirstCaribbean Internet Banking. Follow these simple steps:

• On our Web site: You'll need your FirstCaribbean Bank Card number and a primary chequing or savings account number.
• Complete a simple online form: The online FirstCaribbean Internet Banking registration form is quick and easy to complete. You'll establish personal security details, including a FirstCaribbean Internet Banking password, as well as designate accounts for access online.
• Visit a branch: For the purposes of verifying and authorising your registration for FirstCaribbbean Internet Banking, we ask that you visit a branch to present ID and to sign applicable Terms and Conditions.
• Welcome E-mail: You can expect an e-mail welcoming you to FirstCaribbean Internet Banking, which instructs you to call the Customer Service Agent. This e-mail is sent within 2 business days of your visit to the branch and follows the processing of your registration request.
• Call a Customer Service Agent: Your call to the Customer Service Agent is required in order to activate FirstCaribbean Internet Banking. A Customer Service Centre Agent will verify your identity, using Memorable Word, prior to activating your account.
• At our Web site: Once your FirstCaribbean Internet Banking account has been activated, you're ready to log on any time. You'll need your FirstCaribbean Bank Card number (this is your User ID) and the password that you established at the time of online registration. Remember that when you log on for the first time, the system will automatically prompt you to establish a new Internet Banking password. This is a security measure for your protection.
• If you do not have a FirstCaribbean Bank Card, please visit your local branch and our staff will be happy to assist you.

The completion of the FirstCaribbean Internet Banking registration form takes only a few moments of your time. And following your visit to a branch for the purposes of verification and authorisation, it takes 2 business days to process your registration request.

Upon receipt of your welcome e-mail, and your subsequent call to a Customer Service Agent to activate FirstCaribbean Internet Banking, you'll be able to log on immediately using your FirstCaribbean Bank Card number (User ID) and the password that you established online.

For your security and protection, FirstCaribbean Internet Banking automatically prompts you, when you are logging on for the first time to change your Internet Banking password

For added security, we recommend that you make it a practice to change your password on a regular basis.

Yes. You designate accounts for online access at the time of registration. Should you ever wish to add an account or change the accounts you access via FirstCaribbean Internet Banking, please call our Customer Service Agents who will be happy to accommodate your request.

No. But it is easy to add an account to your Internet Banking profile. Call our Customer Service Agents who will be happy to accommodate your request to add a new account.

You view activity on a chequing/International current or savings/call account according to current statement period or to a period of time that you specify. You'll be able to retrieve the last 6 months of account activity, and view 10 transactions at a time; and if there are more than 10 transactions for the particular period, you'll be able to page forward and backward through the list.

What makes the account activity feature in FIrstCaribbean Internet Banking both convenient and useful is the added capability either to print your transaction activity for record keeping purposes or to download transaction activity to personal financial management software for further tracking and analysis.

No. You can view transaction activity on one account at a time.

The system displays all transactions for the period that you specify. On any particular screen, however, you will be able to view only 10 transactions at once. This means that if the total number of transactions for a specified period were 23, then you would be able to see the first 10, then the next 10, and finally the last 3.

If you complete a transaction either via a bank machine or via a point-of-sale terminal during normal business hours, you will be able to see that transaction via FirstCaribbean Internet Banking immediately.Any transactions completed after normal business hours, however, may not appear until the next business day.

Depending on how you completed these transactions (e.g. via an ABM) and on the time that the transactions were completed, it is possible that they have not yet been downloaded to FirstCaribbean Internet Banking. This occurs due to the timing of our processing schedules. If you cannot see certain transactions, please try logging on again later to allow the processing cycle to be completed.

Yes. You can download transaction history information from FirstCaribbean Internet Banking to your personal computer for tracking and analysis.

Yes. In addition to same currency/same country account transfers, you can now make transfers in any currency between your registered FirstCaribbean chequing/International current and savings/call accounts in any country where FirstCaribbean operates.

Transfers between accounts take place in real-time. This means that the money is transferred into the designated account immediately.

If you are already signed up for FirstCaribbean Internet Banking, you will have automatic access to this enhanced feature as part of our Account Transfer functionality.

If you are not a FirstCaribbean Internet Banking customer, you will first need to register for our Internet Banking service in order to access our Enhanced Transfer capability to make Cross Border/Cross Currency Transfers. Please refer to "How do I register for FirstCaribbean Internet Banking".

Our Enhanced Transfer Feature now enables you to make same or cross currency transfers between all of your registered personal or corporate chequing, International current, savings or call accounts in any of the 15 regional markets we serve. This means you can now transfer funds between your registered personal or business accounts held in one Caribbean country to another (i.e. cross border).

With our enhanced account transfer capability you can now transfer funds between all of your FirstCaribbean accounts that are domiciled in any of the 15 countries in which we operate

This added feature provides you with more convenience and control in terms of where you want to transfer your funds within your FirstCaribbean accounts.

If you wish to transfer funds from a FirstCaribbean account in one Caribbean country to a FirstCaribbean account in another country (i.e. Cross Border), this will be done via the Account Transfer ("From" one of your accounts "To" another of your accounts) feature. This service will enable you to make transfers to your other FirstCaribbean accounts in any of the 15 Caribbean territories in which we operate.

As with same currency/same country transfers, Cross Border/Cross Currency transfers between accounts take place in real-time. So, transfers between your accounts are immediate.

No. Cross Border/Cross Currency Transfers can only be made between your chequing, International current, savings, or call accounts which you have registered for FirstCaribbean Internet Banking.

If you wish to register an additional account with Internet Banking please call any of our Customer Service Agents who would be happy to assist you with your request.

No. As with all FirstCaribbean Internet Banking transactions, limits are established on the amount of funds you can transfer funds on a daily and transactional basis.

There is no charge for Transfers done within the same country (same or cross currency). There is a charge for Cross Border Transfers that you send via FirstCaribbean Internet Banking, and these charges vary by territory.

As we recently reviewed our fees and rates, we invite you to visit your local branch, contact your Relationship Manager/International Banking Centre, or call our Customer Service Agents to learn more about specific fees in your area.

If you are in a country with foreign exchange controls, you will need to follow the same steps as those required for making International Wire Transfers. For more detailed information, please click here.

Yes, you can, using FirstCaribbean Internet Banking Third Party Payments.

Now, in addition to same currency Third Party Payments, you can make online payments in any currency directly from your registered FirstCaribbean accounts to anyone or any company with a FirstCaribbean account in your country.

To make Same Currency Third Party Payments, you must set up a Beneficiary Template for the account(s) to which you wish to transfer funds BEFORE a transfer can be made. It's easy. Just select 'Beneficiary Maintenance' and follow the straightforward instructions. As with the existing transfers, your account will be debited and the beneficiary credited immediately.

To make Cross Currency Third Party Payments, please click here for additional information on this enhanced Third Party Payment feature.

If you wish to make a Third Party payment outside of your country, you can do so using our International Wire Transfer feature.

You can use any of the accounts that you have registered for FirstCaribbean Internet Banking to make Third Party Payments. These can be either chequing/International current or savings/call accounts. Please remember that your account and the payee's (Beneficiary's) account must be in the same country.

Yes. All you have to do is follow the simple instructions on the screen.

Yes. You can make online payments directly from your registered FirstCaribbean accounts to any of your FirstCaribbean Credit Cards – whether VISA or MasterCard.

To make online payments to your FirstCaribbean Credit Card(s), the credit card accounts to which you wish to make payments need to be registered with us. You can do this online, or by calling either your Relationship Banker/International Banking Centre or any of our Customer Service Agents.

Once registration is completed, simply select the 'Make a Bill or Credit Card Payment' option and follow the straightforward instructions.

Yes. Once a Bill Payment Company (e.g. electricity or telephone company) is registered with FirstCaribbean to receive payments, you can pay bills for that company via FirstCaribbean Internet Banking.

Once a Bill Payment Company (e.g. electricity or telephone company) is registered with FCIB to receive payments, you can pay bills for that company via FirstCaribbean Internet Banking.

When registering online to pay a particular bill, we suggest that you have a recent copy of the bill that you wish you pay handy. As part of the Bill Payment registration process, you will be prompted to provide information that is printed on the bill when setting up the Internet Bill Payment facility on your Internet Banking account. Remember, you MUST input ALL of the information that is requested

Once registration is completed, it MAY need to be validated by the Bill Payment Company. To find out whether you can start making payments to a particular Bill Payment Company after you have registered, please check the 'Details of Registered Bill Payment Companies' window. Once your registration is confirmed, simply select the 'Make a Bill or Credit Card Payment' option then, follow the straightforward instructions… and you'll be on you way to paying the FirstCaribbean Internet Banking way!

Yes, you can add and remove bill payment companies as and when you wish.

No. Online payments of your bills and FirstCaribbean Credit Cards can be made at your convenience, at any time, day or night.

You can use any of the accounts that you have registered for FirstCaribbean Internet Banking to make credit card and bill payments. These can be either chequing/International current and savings/call accounts.

Once your FirstCaribbean account has been debited, the company to which you have made a payment will accept the date on which your online payment transaction was made, even if the funds are credited to your account at that company at a later date.

In other words, if your payment is due on the 20th of the month and your online payment was made on the 20th but credited to the bill payment company on next working day (e.g. the 25th), the company will give you credit for having paid on 20th.

Once an online payment has been made via FirstCaribbean Internet Banking, it CANNOT be stopped. Your account is immediately debited and the payment is credited to the account of the company that you paid.

Should such an instance occur, we recommend that you approach the company to whom the payment was made directly.

No. However there is an option to let the system automatically debit your registered FirstCaribbean account for the amount requested electronically by the Bill Payment Company. The 'Auto Pay ' feature allows you to set the maximum amount that you would like to pay the company. When the bill is presented, the system will automatically debit your account on the due date and pay the company. (NOTE: This only applies to those companies that will be sending bills electronically.)

Using the 'Auto Pay' feature, you can set up for your account to be debited up to a maximum of $200.00 for any company that issues bills to your account electronically, for a specific period of time. Whenever a bill is received electronically from that company, the system will check on the bill's Due Date and the amount owed. If the amount owed on the bill under $200, the bill will be paid automatically. However if the amount owed is over $200.00, or if your registered FirstCaribbean account has insufficient funds, the bill will not be paid. You may also make an online request for an e-mail advice to be sent to you alerting you when bills exceed than the amount you have set up to be paid automatically.

At this time we are not able to offer transaction history for our credit card accounts. This feature is a high priority for us to include in future enhancements to FirstCaribbean Internet Banking.

If you subscribe to both FirstCaribbean Internet Banking and FirstCaribbean Telephone Banking, you only need to register online for Bill Payments and Credit Card Payments. The information you input during your online registration will automatically be registered on our Telephone Banking system. Third Party party payments will automatically be available to you.

However, if you are only a FirstCaribbean Telephone Banking customer, you must register for these services by contacting your Relationship Manager/International Banking Centre or a FirstCaribbean Customer Service Agent. You will need to have copies of the bills you wish to pay and your credit card information handy to provide the relevant required information.

Yes. Now, using our new International Wire Transfers feature, you can make same or cross currency electronic wire transfers via FirstCaribbean Internet Banking directly from your registered FirstCaribbean accounts to beneficiaries at virtually all international banks.

You can place a stop payment on a cheque quickly and easily via FirstCaribbean Internet Banking. Stop payments are generally used to stop:

• Cheques that have been lost or stolen.
• Cheques issued for goods or services that you either have not received or now wish to cancel.

Carefully complete as much of the information that you know about the cheque that you wish to stop. You need only supply the cheque number and the reason for the stop payment, however, in order to submit the request. You'll notice that the fields clearly marked as required

If your stop payment request is confirmed, and the payment has not already gone through, the stop on the payment of the designated cheque will be carried out as requested.

Yes. On the confirmation screen, which summarises and confirms the details of your stop payment request, you can use the Print button to print a copy of the screen for record keeping purposes.

Absolutely! At FirstCaribbean International Bank we are committed to providing you with a secure and safe FirstCaribbean Internet Banking environment. The highest industry security measures have been put in place to protect the security of your personal information.

Web browsers use encryption to communicate over the Internet. You must have a browser with 128-bit encryption to use FirstCaribbean Internet Banking. All of the browsers supported by FirstCaribbean Internet Banking offer 128-bit encryption.

In addition to the security measures of FirstCaribbean Internet Banking, it is also important that you take steps to protect your information on your personal computer. When you log on to FirstCaribbean Internet Banking you need to use your FirstCaribbean Bank Card number or your User ID (for those customers who do not have a FirstCaribbean Bank Card) and a password before you can access your accounts. If you maintain the security of your FirstCaribbean Bank Card number or User ID and password, no one can gain access to your account information through FirstCaribbean Internet Banking.

While we take strong measures to ensure the security of your financial transactions and the confidentiality of your information, it is extremely important that you take precautions to ensure that your information remains safe and secure.

At FirstCaribbean International Bank, we are committed to keeping all your personal information private and confidential

As detailed in our privacy policy, we will not disclose any information about you without your authorisation, unless disclosure is required or permitted by law.

For further details, please see the FirstCaribbean Privacy Policy, which is available online.

No one is able to access your account information without your FirstCaribbean Internet Banking password. Your password is unique, and should always be kept confidential in order to protect you from unauthorised access to your accounts and account information. As an added measure of security, you should also make every effort to change your password on a regular basis.

If your FirstCaribbean Bank Cark is lost or has been stolen, you must visit your local branch or call a Customer Service Agent immediately

If you suspect that your password may have been compromised, or that your account(s) had been/may have been accessed by an unauthorized person(s), call a Customer Service Agent immediately.

Yes. Fraudulent schemes are being committed electronically – for example, via e-mail or the Internet – with increasing frequency, creativity and intensity. Two common methods are phishing (pronounced 'fishing') and pharming (pronounced 'farming').

Perpetrators who 'phish' for information will try to encourage you to disclose sensitive information such as your password, bank account and credit card numbers, and Personal Identification Numbers (PINs) via seemingly legitimate e-mails or Internet websites. Fraudulent e-mails may be very convincing, and may appear to have been sent by a legitimate and trusted source with which you do business e.g. your bank. Most will come in the form of an e-mail request to 'update' or 'validate' your financial or personal information. Some of these e-mails will direct you to a fraudulent website for updating your information. Often the website will look very similar to the legitimate website.

Perpetrators who 'pharm' for information do so by hacking into DNS server software. (DNS servers are the giant computers that 'run' the Internet). These computer hackers look for any vulnerability in the DNS software through which they can acquire the domain name of a website and re-direct traffic from that website to another fraudulent website.

Here are a few simple precautions that you should always remember and follow. These are:

• DO NOT type personal and financial information into a pop-up window, even if it appears to be legitimate. FirstCaribbean will never request account information via pop-up windows.
• DO NOT respond to e-mails asking you to verify information. FirstCaribbean will never send you an e-mail request to verify your information. If we do have an issue with your records we will contact you in another way.
• BE SUSPICIOUS of grammatical or spelling errors. These are usually indications of a fraudulent message.
• BEWARE OF suspicious websites. Always be certain that the website you are on is legitimate. If, for any reason, you suspect that a website is not what it claims to be, leave the website immediately and do not follow any instructions on that website.

In accordance with our standards for information privacy and security, we recommend that you use one of these fully compatible and tested browsers, which support 128-bit encryption

• Internet Explorer 5.5 or higher
• Netscape ® Navigator 7.0 or higher
• AOL 7.0 or higher

And to achieve the best results from all areas of our Internet Banking site, we also recommend that you set the options on your browser to enable JavaScript.

Encryption scrambles any data that passes between your Web browser and our Web servers, protecting your personal and banking information as it travels over the Internet.
The industry standard for data encryption, which is the best technology available, is 128-bit encryption

Using a browser that supports 128-bit encryption allows you to share the personal data directly related to your accounts held with us and to trust that the information will remain private and confidential.

Web browsers offer varying degrees of security because they use different technologies for data encryption. As a general rule, the higher the level of encryption, the more secure the browser

Even the most commonly used browsers, like Microsoft Internet Explorer and Netscape Navigator, offer 2 levels of encryption: 40-bit and 128-bit. Browsers that support 128-bit encryption are more secure than browsers that support 40-bit encryption.

To access your account information and perform transactions via FirstCaribbean Internet Banking, we recommend that use a browser that supports 128-bit encryption.

To determine the level of encryption supported by your browser, follow these simple instructions

• MICROSOFT INTERNET EXPLORER: Open your browser, go to the Help menu, and select About Internet Explorer. The level of encryption is clearly displayed.
• NETSCAPE NAVIGATOR: Open your browser, go to the Help menu, and select either About Netscape or About Communicator. The level of encryption is clearly displayed

When you visit a secure Web site, like our Internet Banking site, you'll notice https:// displayed in the address bar of your browser. This indicates an encrypted session between your Web browser and the particular Web server that supports the site that you're visiting.

In the bottom right hand corner of your browser, you'll also notice either a closed padlock icon or a key icon if your online session is secure. Different browsers will display different icons. In either case, the icon indicates an encrypted communications session between your Web browser and a Web server.

Holding your mouse over the icon displays a message, which indicates the current level of encryption being used. For FirstCaribbean Internet Banking, this message should read, '128-SSL'.

For your security and protection, you are required to use a unique User ID or your 16-digit FirstCaribbean Bank Card number, and password in order to enter the secure area of our Web site that houses FirstCaribbean Internet Banking. Without the correct User ID and corresponding password, you will not be granted access.

When you log on successfully, your Web browser establishes a secure connection to our Web servers, enabling you to communicate securely with us and perform banking inquiries and transactions safely.

If you look in the address bar of your browser, you'll notice https://, which indicates a secure session. In the bottom right hand corner of your browser, you'll also notice either a closed padlock icon or a key icon.

Holding your mouse over the icon displays a message, which indicates the current level of encryption being used. For FirstCaribbean Internet Banking, this message should read, '128-SSL'.

For added security and protection, Internet Banking will automatically log you off of your online banking session after 15 minutes of inactivity. Should you ever step away from your computer without logging off, this security measure helps to prevent unauthorised individuals from accessing your account information in your absence. This said, we recommend that log off any time you step away from your computer, even if it is only for a few minutes.

Remember, in addition to logging off after each online banking session, we also recommend that you close your browser window and clear your computer's cache.

JavaScript enhances the look and functionality of the websites that you visit on the Internet.

For FirstCaribbean Internet Banking, we recommend that you enable JavaScript on your browser in order take full advantage of the functionality that our site has to offer.

• Always keep your account information and password confidential.
• Never select a password comprised of your name, phone number, address, date of birth, or common words in the dictionary.
• As an added security measure, always select passwords comprised of a combination of letters and numbers, as well as upper and lower case letters.
• Always change your password on a regular basis.
• Always log off before you step away from your computer.
• After completing an online banking session, log off, close your browser window, and then clear your computer's cache.
• Never e-mail sensitive data such as account information or passwords.
• Use a browser with at least 128-bit encryption.
• Use a quality anti-virus program and update it regularly.

Every time you access the Internet, your browser automatically saves copies of the Web pages that you visit in order to load pages more quickly. This collection of saved Web pages is called the cache.

You should make it a practice to clear your computer's cache after each online session to safeguard your account and personal information.

If you were to leave your computer unattended after having used FirstCaribbean Internet Banking, another person could access your personal financial information by using the Back button on your browser.

To prevent others from accessing previously visited Web pages, including online banking pages, it is important to clear your computer's cache. If you share your computer with someone else, you should also clear your computer's history file.

Clearing your computer's cache is quick and easy to do. Detailed instructions are available on our website. Depending on the type of browser that you have - for example, whether you use Microsoft Internet Explorer or Netscape Navigator - different instructions apply.

Your FirstCaribbean Internet Banking password must comprise

• A minimum of 8 and a maximum of 14 characters
• At least one alphabetic character
• At least one numeric character
• No special characters, such as !@#$%,.

Remember that your FirstCaribbean Internet Banking password is case sensitive and cannot be the same as the previous 12 previous passwords.

Your Internet Banking password should be easy for you to remember, but difficult for someone else to guess. And you should avoid using details that are easily acquired, like any part of your name, address, or date of birth.

You can change your FirstCaribbean Internet Banking password at any time. For added security and protection, we recommend that you change your password on a regular basis.

We recommend that you change your FirstCaribbean Internet Banking password on a regular basis as an added measure of protection for you and your personal banking information.

Remember that you should always change your password if you suspect that someone else has obtained it.

If you forget your Internet Banking password and try to sign on, the system will automatically lock you out of FirstCaribbean Internet Banking after three unsuccessful attempts. This is a security measure for your protection.

Should this happen to you, call our Customer Service Agents in order to reset your FirstCaribbean Internet Banking account. You'll be issued a temporary password, and be required to call the Customer Service Agents again in order to confirm receipt. When you use the temporary password to log on to FirstCaribbean Internet Banking, the system will automatically prompt you to establish a new password.

We ask you to establish a Memorable Word for authentication purposes, which is 6 to 12 characters in length. If you call our Customer Service Agents, this word will be used to positively verify your identity.

Your Memorable Word should be easy for you to remember, but difficult for someone else to guess. And you should avoid using details that are easily acquired, like any part of your name, address, or date of birth.

Yes. From the Preferences screen on FirstCaribbean Internet Banking, you can change your security details at any time. Your security details include your Memorable Word, Memorable Word Hint, and Personal Questions and Answers.

Keep in mind that your Memorable Word must be between 6 and 12 characters in length, and should be easy for you to remember, but difficult for someone else to guess. And you should avoid using details that are easily acquired, like any part of your name, address, or date of birth.

We ask you to establish a set of Personal Questions and Answers for authentication purposes. If you call our Customer Service Agents, your Personal Questions and Answers are used as a backup to positively verify your identity should you ever be unable to remember your Memorable Word.

Your Personal Questions and Answers should be easy for you to remember, but difficult for someone else to guess.

Yes. From the 'Preferences' screen on FirstCaribbean Internet Banking, you can change your security details at any time. Your security details include your Memorable Word, Memorable Word Hint, and Personal Questions and Answers.

Keep in mind that Personal Questions and Answers should be easy for you to remember, but difficult for someone else to guess.

If you ever have difficulty logging on, and still remember your password, try a couple of quick and simple checks. Since FirstCaribbean Internet Banking passwords are case sensitive, ensure that you have not accidentally pressed the Caps Lock button on your computer keyboard. Also make sure that you have not used any spaces in your User ID (i.e., FirstCaribbean Bank Card number).

Should you continue to experience difficulties, please call our Customer Service Agents for assistance. They will be pleased to help you and if necessary, reset your FirstCaribbean Internet Banking account.

• FirstCaribbean Internet Banking passwords are case sensitive and a minimum of 8, and up to a maximum of 14, alphanumeric characters.
• FirstCaribbean Telephone Banking passwords are numeric and comprise 6 digits.
• FirstCaribbean ABM PINs are numeric and comprise 4 digits.

Personal Identification Numbers (PINs) and passwords for electronic channels, such as Internet Banking, Telephone Banking, and Automatic Bank Machines, should be unique. This means that you should never use any part of one PIN or password as a part of another. You should also keep your PINs and password confidential, and never disclose them to anyone, including family members.

Any change that you make to your FirstCaribbean Internet Banking password has absolutely no affect on your other PINs, and vice versa.