Online Banking User Guide

Here, you’ll learn how to perform your everyday online banking transactions, saving you time and allowing you to control your bank accounts from anywhere.

• Click the ‘Personal Online Banking’ login button on the Cayman National website.
• Login Details:
  • If you are an existing user, please enter your existing ‘Username’, ‘Customer ID’ and ‘Password’.
  • If you are a first-time user, please enter your temporary username (received via email) and password (received via SMS).
• You’ll then be prompted to set a unique preferred username and password, select your three security questions, and provide answers to secure your online profile.

*Please note that you will be provided with one-time passwords (OTPs) via SMS to enter where necessary in order to access your online profile.

Once logged in, you’ll find the dashboard page which provides you with an overview of your portfolio, including your deposit accounts, loans, fixed deposits, and debit and credit cards. You have the ability to change the order of this information to suit your preference. On this page you can also view your available and current balances, and available overdraft. It will also provide you with your most recent login details.

To transfer funds between your own Cayman National accounts, follow the steps below:

• Hover over ‘Transfers/Payments’ on the menu list and select ‘Transfers and Payments’.
• Select the ‘Transfer Between Own Accounts’ payment type from the dropdown list.
• Then, from the ‘From Account’ dropdown list, select the account you would like to transfer funds from.
• Next, from the ‘To Account’ dropdown list, choose the account you would like to transfer funds to, then enter the transfer amount in the ‘Amount’ field
• Then, you’re presented with the option to make a ‘Single Transfer’ or ‘Repeated Transfer’.
  • Select 'Single Transfer' for a one-time payment and choose the current date or select a future date.
  • Select 'Repeated Transfer' for multiple payments, then choose the start date, the frequency, and the end date of your repeated payments.
• Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, etc.).
• Then click the ‘Submit’ button to review the full details of your payment. Once you have verified the information, please click ‘Confirm’ to complete the transaction.
• You can also download or email a ‘Cyber Receipt’ of the transaction for your records.

To transfer funds to other Cayman National accounts, follow the steps below:

• Hover over ‘Transfers/Payments’ on the menu list and select ‘Transfers and Payments’.
• Select the ‘Third Party Transfer Within Bank’ payment type from the dropdown list.
• Then, from the ‘From Account’ dropdown list, select the account you would like to transfer funds from.
• Next, you have an option to select a predefined beneficiary or manually enter a one-time
• Then enter the transfer amount and select the currency next to ‘Amount’.
• Then, you’re presented with the option to make a ‘Single Transfer’ or ‘Repeated Transfer’.
  • Select 'Single Transfer' for a one-time payment and choose the current or select a future date.
  • Select 'Repeated Transfer' for multiple payments, then choose the start date, the frequency, and the end date of your repeated payments.
• Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, etc.).
• Then click the ‘Submit’ button to review the full details of your payment. Once you have verified the information, please click ‘Confirm’ to complete the transaction.
• Please note that you will have an option to save this transaction as a template for future use.
• You can also download or email a ‘Cyber Receipt’ of the transaction for your records.

To send your funds between Banks within the Cayman Islands securely by using our Electronic Funds Transfer (EFT) feature, follow the steps below:

• Hover over Transfers/Payments on the menu list and select Transfers and Payments.
• Select the ‘Electronic Funds Transfer’ payment type from the dropdown list.
• Then, from the ‘From Account’ dropdown list, select the account you would like to transfer funds from.
• Next, you have an option to select a predefined beneficiary or manually enter a one-time beneficiary. If manually entering a one-time beneficiary, please select the ‘Beneficiary’s Bank’, enter the ‘Beneficiary’s Account No.’, select the ‘Beneficiary’s Account Type’, and enter the ‘Beneficiary’s Name’.
• Then enter the transfer amount and select the currency next to ‘Amount’.
• Then, you’re presented with the option to make a ‘Single Transfer’ or ‘Repeated Transfer’.
  • Select 'Single Transfer' for a one-time payment and choose the current or select a future date.
  • Select 'Repeated Transfer' for multiple payments, then choose the start date, the frequency and the end date of your repeated payments.
• Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, etc.)
• Next, click ‘Submit’ to review the full details of your payment.
  • Please note that you may be asked to enter an one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to complete the EFT transaction.
• Once you have verified the information and entered the OTP, click ‘Confirm’ to complete the transaction or authorize the transaction via your registered device.
• Please note that you will have an option to save this transaction as a template for future use.
• You can also download or email a ‘Cyber Receipt’ of the transaction to your chosen recipient.

To send funds to a bank account outside of the Cayman Islands securely with our International Wire Transfer option, follow the steps below:

• From Menu Bar: Hover over ‘Transfers/Payments’ on the menu list and select ‘Transfers and Payments’. Then from the Input screen, complete the following areas:
• ‘Select Payment Type’: Select the ‘International Wire Transfer’ payment type from the dropdown.
• ‘From Account’: Select from the drop-down list, the account you would like to use to transfer funds.
• ‘Select Beneficiary’: Next, you have the option to select a predefined beneficiary or manually enter a beneficiary.
• ‘Beneficiary Account Number Type’: Use this field if manually entering a beneficiary account number.
  • Choose ‘Account Number’ for payments to countries that do not require an IBAN e.g. USA, Canada.
  • Choose IBAN (International Bank Account Number) if your payment is going to a country that requires an IBAN e.g. UK, France, Germany. Note, all letters within an IBAN must be upper case.
• ‘Beneficiary Name’: Enter the beneficiary’s name and address. ‘Town Name’ and ‘Country’ are mandatory. You can type the country name to quickly locate and select the country.
• ‘Beneficiary’s Date of Birth’ optional.
• ‘Beneficiaries Bank Routing Type’: Select the routing type being used e.g. SWIFT or ABA.
• Beneficiary’s Bank Routing Number: Enter the routing type here e.g. SWIFT code or ABA number. If ‘SWIFT’ is selected, you have the option to manually enter the ‘Routing Type’ or use the ‘Advance’ search function to search by ‘Swift Code’, ‘Bank Name’ or ‘Bank Country’. Note: All SWIFT codes are 11 digits. If the code you are entering is 8 digits, then prefill the last 3 characters with XXX to locate and select the desired bank.
• ‘Amount’: Enter the transfer amount and ensure the desired currency is selected next to ‘Amount’.
• ‘Single Transfer’: select the current or a future date for the transfer to be sent.
• ‘Purpose of Payment’: Choose a purpose from the dropdown list. You may type to search for a particular purpose.
• ‘Beneficiary Comments’: Enter additional info for the beneficiary, using no special characters such as (@, #, $, %, &, *, )
• Select Intermediary Bank: see explanation.
  *Please note that an intermediary bank is required when you are sending any currency other than the local currency of the destination country. For example, when sending Canadian dollars (CAD) to the United States, as Canadian dollars (CAD) is not the local currency, payment must be forwarded to a Canadian intermediary bank before going to the destination country (US).
• Click the checkbox next to ‘Intermediary Bank’ if you are required to enter those details.
• If ‘SWIFT’ is chosen from the dropdown list next to ‘Intermediary Bank Routing Type’ please enter the ‘Intermediary Bank Routing Number’. If any other option is selected, please enter the required details.
• Swift Settings Charges: ‘Our’ means all in-transit costs charged by CNB’s Correspondent and any Intermediary bank will be paid by the ordering customer as part of the wire fee collected by CNB. ‘Beneficiary’ means the Correspondent Bank and Intermediary Bank fees are to be deducted from the wire amount while in transit.
• Next, click ‘Submit’ to review the full details of your payment.
• Once you have verified the information, click ‘Confirm’ to complete the transaction. You may be asked to enter your Online password.
• Please note that you may also be requested to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, to complete the International Wire Transfer.

After approval, you will have the option to save this transaction as a template for future. You can also download or email a ‘Cyber Receipt’ of the transaction for your records via the Transaction Results module.

To pay your bills online, follow the steps below:

• Hover over Transfers/Payments on the menu list and select ‘Transfers and Payments’.
• Select the ‘Bill Payment’ payment type from the dropdown list.
• Then, next to ‘Account/Credit Card’ select an account or credit card that you would like to use to pay this bill.
• Next, you select the ‘Biller’ from the dropdown list or search for the biller’s name using the search option.
• Once the ‘Biller’ is selected, enter the amount you would like to pay next to ‘Amount’.
• Then, you’re presented with the option to make a ‘Single Transfer’ or ‘Repeated Transfer’.
  • Select 'Single Transfer' for a one-time payment and choose the current or select a future date.
  • Select 'Repeated Transfer' for multiple payments, then choose the start date, the frequency, and the end date of your repeated payments.
• In the ‘Consumer Account Number’ field, enter the description that the ‘Biller’ can indicate what the payment is for such as invoice number, or name, or other details specific to your payment.
• Next, click ‘Submit’ to review the full details of your payment.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to complete the Bill Payment transaction.
• Once you have verified the information and entered the OTP, click ‘Confirm’ to complete the transaction or authorise the transaction via your registered device.
• Please note that you will have an option to save this transaction as a template for future use.

To complete an Own Credit Card Payment online, follow the steps below:

• Hover over ‘Transfers/Payments’ on the menu list and select ‘Own Credit Card Payment’
• Then, from the ‘From Account’ dropdown list, select the account you would like to make the payment from.
• Next, from the ‘Credit Card’ dropdown list, select the credit card which you would like to make the payment to.
• Once selected, you can enter the amount you would like to pay manually or you can choose from the three options: ‘Minimum’, ‘Latest Statement’, and ‘Outstanding’ to have the amount autopopulated on the amount field. Choose ‘Minimum’ to make the minimum payment on the statement. Choose ‘Latest Statement’ to pay the amount of the latest statement. Choose ‘Outstanding’ to pay the full outstanding balance due on the credit card.
• Then click the ‘Submit’ button to review the full details of your payment. Once you have verified the information, please click ‘Confirm’ to complete the transaction.
• You will have the option to download or email a Cyber Receipt of the transaction to your chosen recipient.

To complete a Third Party Credit Card Payment online, follow the steps below:

• Hover over ‘Transfers/Payments’ on the menu list and select ‘Third Party Credit Card Payment’.
• Then, from the ‘From Account’ dropdown list, select the account you would like to make the payment from.
• Next, enter the ‘Beneficiary’s Credit Card’ number which you would like to make the payment to.
• Then enter the amount that you would like to pay to the credit card next to ‘Amount’.
• Next, click ‘Submit’ to review the full details of your payment.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to complete the Third Party Credit Card transaction.
• Once you have verified the information and entered the OTP, click ‘Confirm’ to complete the transaction or authorise the transaction via your registered device.
• You will have the option to download or email a Cyber Receipt of the transaction to your chosen recipient.

To complete a Cash Advance from your credit card online, follow the steps below:

• Hover over ‘Transfers/Payments’ on the menu list and select ‘Cash Advance’.
• Then, from the ‘Credit Card’ dropdown list, select the credit card that you would like to make the cash advance from.
• Next, select the account which you would like to credit.
• Then, enter the USD amount for the cash advance. Please note that you can request a cash advance up to the available amount on the credit card.
• Next, click ‘Submit’ to review the full details of your payment.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, for you to complete the Cash Advance transaction.
• Once you have verified the information and entered the OTP, click ‘Confirm’ to complete the transaction or authorise the transaction via your registered device.
• You will have the option to download or email a Cyber Receipt of the transaction to your chosen recipient.

To create a Fixed Deposit online, follow the steps below:

• Hover over ‘Investments’ on the menu list and select ‘Create Fixed Deposit’.
• Select the account that you would like to debit funds from for the fixed deposit.
• From the dropdown list next to ‘Term’, select the term that you would like the fixed deposit to mature at.
  • You will be presented with the terms that the Bank has on offer for you.
• Once you have agreed on the term, enter the amount which you would like to use to create the Fixed Deposit.
  • Please note the minimum amount is dependent on the term selected.
• Next, select your preference for actions ‘At Maturity’ by choosing an option from the dropdown list. The options presented are:
  • ‘Roll Over Principal and Interest’
  • ‘Repay Interest Only’
  • ‘Repay Principal and Interest’
• Next, click ‘Submit’ in order to review the full details of your transaction.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, for you to complete the creation of the Fixed Deposit.
• Once you have verified the information and entered the OTP, click ‘Confirm’ to complete the transaction or authorize the transaction via your registered device.
• You will have the option to download or email a ‘Cyber Receipt’ of the transaction to your chosen recipient.
• Please note that if you would like to view your Fixed Deposit in your online portfolio, please submit a request to the Bank via a secure message in online banking.

Manage your templates to make recurring transactions easier for you to complete. To Manage Templates, follow the steps below:

• Hover over ‘Self Management’ and click on ‘Manage Templates’ to view all the options that you can create templates for. This includes the ability to edit an existing template or create new templates for: ‘Transfer Between Own Accounts’, ‘Third Party Transfer Within Bank’, and various other transactions.
• Fill in the information required by transaction type selected. Once completed, you are able to name the template for ease of reference for your recurring payments or for use at later date.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to complete the template setup.
• You can view these templates when completing a transaction by clicking ‘Choose Template’ next to ‘Select Payment Type’, then search and select the template you would like to use.

Reduce time to send recurring payments by managing your beneficiaries. To manage beneficiaries, follow the steps below:

• Hover over ‘Self Management’ and click on ‘Manage Beneficiaries’ to view all of the options that you can create beneficiaries for. This includes the ability to edit existing beneficiaries or create new beneficiaries for various transactions.
• Fill in the information required by transaction type selected. Once completed, you can name the beneficiary for ease of reference for your recurring payments or for use at later date.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device for you to complete the beneficiary setup.
• You can view these beneficiaries when completing a transaction by clicking ‘Select Beneficiary’ then search and select the beneficiary you wish to use.

To use the Manage Device feature, you will need to have a device registered. This may be an Android or iOS device. To manage your device, follow the steps below:

• Login using your device (mobile phone or tablet), then click on your ‘User’ profile button.
• Then click on ‘Manage my Devices’ where you’ll be given the option to ‘Register current device’.
• Once clicked, you’ll be presented with feature enhancement information. Ensure that ‘Push Notification’ and ‘Authorisation Transaction’ are selected. Then select preferred biometric option of ‘Fingerprint’ or ‘Facial Recognition’ and ‘PIN’, or ‘only PIN’.
• Enter your 4-digit pin and repeat the entry in the appropriate box before clicking ‘Submit’.
• You will then be provided with a one-time password (OTP) to confirm the selections.
• Once confirmed, your device is successfully registered.
• You can also add a photo for each device registered for ease of reference.

To login using the desktop once you’ve registered your device, enter your ‘Username’ and ‘Password’ and click ‘Login’.

You will be prompted with a message that you will receive an ‘Authorisation Notification’ to your device. Click ‘Continue’ to receive the push notification.

Once the push notification is received on the device, clicking on it will take you to the app login screen which will prompt you for your chosen biometric method or PIN.

On successful authentication you will be presented with a transaction to complete your login. Click the ‘blue check/confirmation button’. Then click ‘Yes ’on the approval message.

Once clicked, your web browser login process will complete.

Registering your device is strongly recommended as it reduces dependence on SMS OTPs as well as providing an extra layer of security for optimum protection.

If you would like to unregister your device, you could do so either in the ‘Manage Devices‘ in the online application or the ‘Manage my Devices’ in the mobile app.

Setting Daily Limits is a feature that you may be interested in for security and budgeting purposes. To setup your daily limits, follow the steps below:

• Hover over the ‘Self Management’ and click on ‘Daily Limits Self Management’. Your profile will have predefined limits which you are able to edit to your desired limits.
• Click on the ‘Define my own limits’ checkbox for the ability to edit your limits for a variety of transaction types.
• Once completed, click ‘Submit’.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS.
• Once you have verified the information and entered the OTP, click ‘Confirm’ to complete the setup.

Set up alerts for your online banking and mobile app experience to allow you to receive alerts for account balances, card activity and more.

To setup Alerts, follow the steps below:

• Hover over ‘Alerts’ on the menu and selecting ‘Alert Delivery Settings’.
• You are presented with options for ‘SMS’, ‘Push Notifications’ and ‘Email’ for your preferred method to receive alerts. For the push notification option, it will show your registered devices.
  • Please note that some alerts are only possible through specific methods. To receive all alert types, enter the information for each. (This information is separate from your current banking details stored in the file.)
• Click the ‘Save’ button.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device for you to the alert delivery settings.

To manage what Alerts you receive, follow the steps below:

• Hover over ‘Alerts’ on the menu and click on ‘Alert Setup’.
• In here you will be able to confirm your preferred delivery setting per type of transaction as well as for specific account alerts to keep you on top of your finances.
• Simply check the box next to the transaction you wish to receive alerts for, then select your preferred method.
• When you’ve configured your alerts to your preference, click ‘Save’.
• You will be prompted with a confirmation screen to review your setting changes.
  • Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device for you to.
• To view all of your preferred alerts, follow the steps below:
• Hove over ‘Alerts’ in the menu and click on ‘My Alerts’.
  • Please note that if you need to disable your notifications for any reason, you can do so by clicking the ‘Disable all my alerts’ checkbox.

Text message frequency varies and data rates may apply.

To view your online activity, follow the steps below:

• Hover over ‘Self Management’ in the menu and select ‘Online Activity’.
• In here you’re able to see all of your online activity including transactions, logins and more.
• You can also click on the ‘Show Filters’ button to search for specific activity based on date, type of transaction and even transactions to a specific beneficiary.
• Once you’ve entered your search criteria, click ‘Apply Filter’ to be presented with the relevant results.