WebClient is a Personal Online Banking application for non-business customers, which provides real-time customer and account information via the internet.

WebClient Personal Online Banking solution allows customers to:
• View account balances and transaction history
• Transfer funds between your First Citizens accounts
• Transfer fund to other First Citizens Accounts
• Transfer funds to other banks
• View credit card transaction history
• Pay bills to Surepay Billers
• Set up one-time and re-occurring payments and transfers
• Communicate with First Citizens via secure messages
• Obtain transaction details

You may access WebClient via the bank’s web address Innovative Financial Solutions – Barbados (firstcitizensgroup.com)

Click on the online banking login icon and follow the links to Personal Online Banking. Enter the username and password that you use at your last successful login to online banking.

If logging in for the first time, use the username and password provided by the bank. You will be required to reset your password and provide additional security information to complete your login.

If you are a new customer to First Citizens Bank you would be required to first open an account for any of our products and services at any branch. Once completed, you may then sign-up for Online Banking.

Existing Customers who do not currently use online banking may sign up at any First Citizens branch.

Navigate to the Customer Profile option, click on “Security Information” and complete the form to change your password.

The online banking experience remains free of charge to any of our customers, however, existing fees associated with our other products and services will remain applicable.

Although WebClient is certified for Internet Explorer, the application was tested internally to also work with Firefox, Opera and Chrome.

Yes. After conversion, the customer card details would be added upon request through Electronic Banking Unit, after which primary cardholders would have the ability to view transactions and account balances.

A payee is an individual or institution (other than you) to whom you wish to send funds or pay a bill. In WebClient there are two types of payees:

• Standard Payees, for sending funds or paying bills externally
• Custom Payees, for sending funds to another customers’ account within First Citizens Bank (Barbados)

Using the “Payment Services>Manage Payee” option in the main menu, you are required to first set up your list of payees with the correct name and account information. You may then select from your payee list when making payments.
It is important to always enter information accurately when adding a Payee as this is used to credit your account at the respective institution.

You may pay bills for any of the following Surepay billers in of List of Standard Payees:

• Barbados Light & Power
• Barbados Public Workers
• Barbados Water Authority
• Cable & Wireless Barbados (LIME)
• Capita Financial
• Clico Life
• Consolidated Finance
• Digicel
• DirecTV
• First Citizens MasterCard
• First Citizens MasterCard Prepaid
• First Citizens VISA
• FLOW
• Fortress Fund Manager
• Globe Finance
• Insurance Corporation of Barbados (Health / Life)
• MCTV
• National Petroleum Corporation
• NicNat Direct
• Signia
• Student Revolving Loan Fund
• SunPower
• Trident Insurance
• United Insurance
• University of the West Indies
• Winet

Use the “Payment Services>Payments” option in the main menu to send funds to an account at another local bank. Enter the transaction details and select the payee from your payee list. Remember, the payee must first be set up from the list of local banks in the Standard Payee list, with the bank and account details in the correct format using the “Manage Payees” option.

You may transfer funds between your own accounts using the “Transfer Funds Services>Transfer Funds” option in the main menu. When funds are transferred between First Citizens savings and chequing accounts, the transaction is immediate. Credit Card payments, however, take longer and are dependent on when the payment is made. Refer to below.

Use the “Payment Services> Payments” option in the main menu, to send funds to another First Citizens Customer’s account. Enter the transaction details and select from your payee list. Remember you must first set up the Custom Payee with the account details using the “Manage Payee” option.

Yes, you can set up recurring transfers and bill payments also referred to as Pending Transfers or Pending Payments. When making the transaction simply choose to set up as a Schedule and choose your start date, end date and frequency cycle, then “submit” your changes. Go to “Transfer Funds Services>Pending Transfers” or “Payment Services Pending Payments” in the main menu to view your schedule.

When bill payments or other bank transfers are made, the funds are debited from your account immediately. Bill Payments are processed twice daily at 9:00 am and 4:00 pm. Payments to other banks are processed at 11:00 am. Payments received after these times are processed the next business day. We recommend that you make your payment 3-5 business days before the payment is due at the receiving institution.

First Citizens credit card payments are to be made by 6:00 pm daily and are available by the next business day. Payments made after these times, weekends or public holidays will be credited and available for use by the next two working days. All payments will be reflected online accordingly.

When funds are transferred between First Citizens savings, chequing and loan accounts, the transaction is immediate. Credit Card payments, however, take longer and are dependent on when the payment is made. Refer to above.

Your Transaction PIN is used to initiate your transactions. You will be prompted to set a four (4) digit Transaction PIN, which you will enter before completing any financial transaction online. As with your other PINs and Passwords, you must NOT share this with anyone.

Your Transaction PIN can be changed very easily via a link on your transaction page.

A password hint is a word or phrase that will remind you of what your actual login password is in the event that it is forgotten. The hint should make your password obvious to you but difficult for someone else. DO NOT enter your password as your password hint.

The Secret Question is a security measure, which appears during the “Forgot Your Password” process. It is used to authenticate your identity. The system will prompt you to answer your Secret Question, which you would have previously entered. Once this is done you will be allowed to continue. You may change your Secret Question and answer at any time via the Security Information tab under Customer Profile from the main menu.

If you have forgotten your login password, you can go to the Forgot My Password” link on the login page and either have your password hint e-mailed or changed right away. If you are unable to follow the instructions online or have also forgotten your Username you may contact the Electronic Banking Unit at 246-434-3686 or send a mail to online@firstcitizensbb.com for further assistance.

If your account is locked out after too many unsuccessful logins, you must contact our Electronic Banking Unit at 246-434-3686 for assistance to regain access.

Secure messaging is a secure form of communicating with First Citizens Bank. It is an internal messaging system (not done via Internet Service Provider), whereby you are required to log into your Online Banking account to send and receive messages.

You may contact our Electronic Banking Unit at 246-434-3686, send an e-mail to online@firstcitizensbb.com or send a message via Secure Messaging.

It is important that you include the relevant details pertaining to the transaction such as the branch, date of transaction, amount of transaction, the query and any other information that would help us assist you better.