Cayman National Digital Onboard (CNDO) is Cayman National’s digital platform that allows customers to open accounts remotely with camera-enabled mobile and desktop devices, without visiting a Customer Service Centre.

Individuals 18 years or older, residing in the Cayman Islands are eligible to apply for an account through CNDO, subject to Cayman National's account opening requirements.

The passport scanning and facial recognition are essential to the digital onboard application process. Applicants must follow the on-screen guide within the application and ensure their valid passport is held steady within the capture zone for scanning.

When completing the facial recognition scan, applicants must hold their passport up to be seen within the photo without blocking their face. Failure to include your passport in the photo will result in a rejected application and the client will be required to resubmit this section.

Customers can expect to receive the following email communications during the digital onboard process.

• donotreply@rfhl.com - Republic Financial Holdings Limited, which Cayman National is a subsidiary, will provide generated notices and updates during the online account application process.
• cndo@caymannational.com - Cayman National’s Digital Onboard email providing updates and application related questions.
• adobesign@adobesign.com - Adobe Sign providing a copy of your submitted application.

If emails from these accounts do not appear in your inbox, please be sure to check your spam/junk folders.

At this time, the following customer categories cannot be onboarded through CNDO:

• Individuals under 18 years of age
• Non-residents of the Cayman Islands
• Sole proprietorships
• Companies and corporations
• Non-profit organizations (NPOs)

Customers in these categories may visit a Customer Service Centre for assistance.

Customers may apply for:

• KYD/USD Personal Chequing Accounts
• KYD/USD Personal Savings – EZ Banking, Caymanite and Gen Now

Additional products and services may be available after the account has been opened and approved. For a review of our deposit account products please visit our Personal Banking page.

Joint accounts are currently not available via CNDO. However, a joint party can be added to an account established via CNDO, by visiting a Customer Service Centre where our team will advise on the required additional documentation.

Completing a CNDO application generally takes approximately 10 minutes.

Once submitted, customers can expect an update on the status of their application within two (2) business days.

Additional information may be requested, which could extend processing times.

Submission of an application does not guarantee account approval. All applications are subject to Cayman National's account opening, identification, and due diligence requirements.

Applicants will be required to upload clear and legible copies of the following:

Identification

• Valid passport

Proof of Residential Address

• Recent utility bill issued in the applicant's name

Evidence of Source of Income: Examples include:

• Employment letter confirming salary
• Rental agreement
• Pension statement; or
• Other acceptable evidence of income.

Additional documentation may be requested as part of the account review process.

Yes. You may save your application and return to complete it later.

Applications that remain incomplete for more than 45 days will automatically expire and must be restarted.

Yes, you will automatically receive Online Banking credentials via email and a text message (SMS). Once the account is approved, you will be able to log in and use Online Banking to process your transactions.

Yes. Upon approval and opening of your account, a Debit Card will be issued within two (2) business days.

Your primary account and any secondary accounts will be connected to the card.

Applying is quick and easy.

Visit www.caymannational.com and select Open an account online under the Personal Banking menu item to review the product details and start your application.

If you need assistance, you may visit any Cayman National Customer Service Centre, where you can complete the application using either your own device or one provided by the bank.