Online Banking User Guide - Business Users

• Click on the Online Banking link
• Enter your existing ‘Username’, ‘Customer ID’ and ‘Password’.
• You will then be prompted to set a unique preferred username and password and 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 and to complete transactions.

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

Below is an outline of the various users within the Cayman National Online Business platform. Each user has permission and control access to certain functions based on the roles that are assigned to the user.

• Master Users

Depending on your organisational procedures for approvals in Online Banking, there are two types of access levels.

• Super Master User – This profile allows the user to:
  • Create and manage the business user profiles,
  • Assign accounts, transaction types and daily limits to business
  • Create or manage ‘Authorisation Matrices’ (confirm Fluid name)
  • Manage Business Users Devices
  • View Online Activity of business users
• Master User – Allows you the same functionality as above but requires approval from another Master User, for organisations that require dual

• Makers - This profile allows the users to initiate transactions from assigned accounts, for specified transaction types within allowed daily
• Authorisers (formerly referred to as Checkers) - This profile allows the user to authorise transactions from assigned accounts, for specified transaction types within allowed daily
• ‘Manda’ – This profile allows the user to initiate and authorise transactions from assigned accounts, for specified transaction types within allowed daily

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

• Hover over ‘Payment/Transfer’ on the menu list and select ‘Payment and Transfers.
• 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
• 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’, if
• Next, 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
  • Select 'Repeated Transfer' for multiple payments, then choose the start date, the frequency, and the end date of your repeated
• Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, ).
• Then click the ‘Submit’ button to review the full details of your 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
• If the transaction requires authorisation, it will be sent for Once approved, you can 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 ‘Payments/Transfer’ 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
• Next, you have an option to select a predefined beneficiary or manually enter a one-time 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
  • Select 'Repeated Transfer' for multiple payments, then choose the start date, the frequency and the end date of your repeated
• Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, )
• Next, click ‘Submit’ to review the full details of your payme
  • 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 EFT
• Once you have verified the information, click ‘Confirm’ to complete the transaction or authorise the transaction via your registered

*Please note that you will have an option to save this transaction as a template for future

• If the transaction requires authorisation, it will be sent for Once approved, you can download or email a ‘Cyber Receipt’ of the transaction for your records via the Transaction Results module.

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

• From the Menu Bar: Hover over Transfers/Payments on the menu list and select Transfers and Payments.
• 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: 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 is 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 if required. *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 CAD is not the local currency, payment must be forwarded to a Canadian intermediary bank before going to the destination country (US).
• 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: Choose who will incur the charges by selecting Beneficiary or Ours. Our means all in-transit costs charged by CNB’s Correspondent and any Intermediary bank will be paid by the ordering customer. Beneficiary means the Correspondent 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.
  
  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 ‘Payment/Transfers’ 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 orcredit 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
• 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
• Next, click ‘Submit’ to review the full details of your
  • 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
• Once you have verified the information, click ‘Confirm’ to complete the transaction.
• Please note that you will have an option to save this transaction as a template for future
• If the transaction requires authorisation, it will be sent for Once approved, you can download or email a ‘Cyber Receipt’ of the transaction for your records.

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

• Hover over ‘Payment/Transfer’ 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
• Next, from the ‘Credit Card’ dropdown list, select the credit card which you would like to make the payment
• 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 auto-populated on the amount 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 Once you have verified the information, please click ‘Confirm’ to complete the transaction.
• If the transaction requires authorisation, it will be sent for approval. Once approved, you can download or email a ‘Cyber Receipt’ of the transaction for your records via the Transaction Results module.

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

• Hover over ‘Payment/Transfer’ 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
• Next, enter the ‘Beneficiary’s Credit Card’ number which you would like to make the payment
• 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
• Once you have verified the information, click ‘Confirm’ to complete the transaction.
• If the transaction requires authorisation, it will be sent for Once approved, you can download or email a ‘Cyber Receipt’ of the transaction for your records and to send to the recipient.

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

• Hover over ‘Payment/Transfer’ 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
• Next, select the account which you would like to
• 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
• Next, click ‘Submit’ to review the full details of your
• Once you have verified the information, click ‘Confirm’ to complete the transaction.
• If the transaction requires authorisation, it will be sent for Once approved, you can download or email a ‘Cyber Receipt’ of the transaction for your records via the Transaction Results module.

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 thatyou would like the fixed deposit to mature at.
• You will be presented with the terms that the Bank has on offer for
• 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
• 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
• Once you have verified the information, click ‘Confirm’ to complete the transaction.
• 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 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
• 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 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
• You can view these beneficiaries when completing a transaction by clicking ‘Select Beneficiary’ then search and select the beneficiary you wish to

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 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
• Once confirmed, your device is successfully
• You can also add a photo for each device registered for ease of

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.

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
• Please note that some alerts are only possible throughspecific 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

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
• 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
  • 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’

To change own password, follow the steps below:

• Hover over ‘Self-Management’ in the menu and select ‘Change Password’.
• Then enter current password, followed by the new password and confirm the new password before clicking ‘Submit’.
• Review password change and click ‘Confirm’.

*Please note that the ‘Having trouble logging in?’ functionality is not available to Business Users.

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 forspecific 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

To upload excel files to process salary payments, follow the steps below:

• Hover over ‘Payment/Transfer’ in the menu list and select ‘File Upload’.
• Select the ‘Browse’ option next to Select
• Then, select the salary file you wish to upload from the directory.
• Select the account you would like to debit from the ‘From Account’ drop down
• Select the transaction date, if Salary is future dated.
• Select ‘File Description’ and click ‘Upload Transaction File’ to view details of the file upload.
• After verifying information, click ‘Confirm’ to upload file for validation.

*Please see ‘Transaction File Instructions’ on upload page for continued instructions after the file has been uploaded for validation.
*Please see Salary File csv file example below and refer to the description of each column.

*Please note that the amount includes two decimal places, e.g. for $100.01 the amount entered should be 10001.
*Please note Makers will not be able to use this option until the Master user has set up a ‘File Type’ for upload.

To process Vendor Payments, follow the steps below:

• Log in as Business User
• Go to Transfers/Payments
  • Click on File Upload
  • Click on Browse next to Select File to upload your CSV (Comma delimited) document
  • Select the File Name that was create in the File Type dropdown
  • Select the Account
  • Confirm Transaction Date
  • Enter your chosen File Description
  • Click on Upload Transaction File blue button
  • Enter your password
  • Click Confirm
• Wait for the pop up (bottom right) confirming that it’s been completed
• Go to Transaction Status
  • Click on Display Transaction File Status
  • Click on the check mark to complete the validation (accept file)
  • Click Confirm
• Your file has now been sent for Authorisation to the person in charge of authorising
• Authoriser will log in Online Banking
• Go to Transaction Status
• Click on Display Pending
• Confirm

For same day, transactions must be approved before 2pm. Cayman National transactions will always go first.

If you do not have your CSV (Comma delimited) document created already:

• Click on Download a sample payment file (bottom left)
• Update the sample payment file by inputting the your information in each column
  • Column A: Amount
  • Column B: Bank Code (as per the below)

• Column C: Account Number (Cayman National has a “-“ after the third number; no dashes and no spaces for other banks)
• Column D: Type of Account (CK: chequing, SV: savings) - must be in capital letters
• Column E: Beneficiary Name (First name and last name)
• Column F: Beneficiary Narration is the information that will reflect on the beneficiary account as a reference for the payment
• Column G: Beneficiary Account Type - must be entered as upper case letters

To view the status of file uploads, follow the steps below:

• Hover over ‘Transaction Status’ in the menu and select ‘Display Transaction File Status’.
• From here, select ‘show filters’, you’ll be able to filter by date, file type and file status
• Entered desired filter and selection ‘apply filters’ and results will be displayed.

To view a list of pending transactions, follow the steps below:

• Hover over ‘Transaction Status’ in the menu and select ‘Display Pending’.
• You will be presented with the list of pending
• From here, you’ll be able to filter transactions by date, beneficiary name, account number, account type or approval
• Once you’ve selected your filter, select the ‘Apply Filters’ button for your
• Results will be displayed including date/time, transaction type, status and amount.

Reduce time to create individual beneficiaries, upload a beneficiary file with all your beneficiaries by following the steps below:

• Hover over ‘Self-Management’ and click on ‘Beneficiaries File Upload’ to upload a beneficiary file with all your
• Select ‘File Description’ and click ‘Upload Beneficiaries File’ to view details of the file
• After verifying information, click ‘Confirm’ to upload file.