The New BANKOMATIKO (MAESTRO) smart card is an upgraded version of the current Bankomatiko card. The card has a new design and an EMV* certified chip containing a microprocessor providing you with additional security when making your transactions. The Bankomatiko smart card makes use of the EMV* certified payment software that s being implemented around the world. The Bankomatiko smart card will use the microchip when used on a chipenabled payment terminal or ATM. However the card is also equipped with the magnetic stripe on the back to guarantee acceptance everywhere. Your existing PIN will also continue to work with the new Bankomatiko smart card. On top of it you will earn FunMiles with every purchase made in St. Maarten, Curacao, Aruba and BES islands. If you have questions visit www.wib-bank.net or call our BankCard Services Department at +599 542 3422. To make a transaction using the chip on the card**: 1 The cashier (or you) inserts your Bankomatiko smart card into the chip reader 2 The cashier will enter the amount 3 You confirm the amount 4 You select checking or savings account 5 You enter the PIN, and 6 Leave your card in the terminal until it tells you to remove the card. * EMV: Europay MasterCard and Visa International created a new standard called EMV, which ensures that all Europay, MasterCard, Maestro and Visa branded smart cards and all smart card reading terminals work together to deliver global interoperability and enhanced security. ** The steps mentioned are applicable to chip-enabled payment terminals worldwide. A chip-enabled point of sale terminal will always request to insert the card when swiped. However to guarantee worldwide acceptance you will still be able to swipe your card at terminals that are not chip-enabled using the magnetic stripe on the back of your card. 1
The BANKOMATIKO Maestro card is an attractive addition to your wallet providing you with: Access to Online Banking (WIB@home) - balances inquiries - make transfers to other accounts - make payments Access to Telebanking balance by phone Access to Easy Charge (reloading your UTS prepaid cell) Fast and convenient ways to take care of your banking transactions Quick access, worldwide to your bank accounts; Easy withdrawal of funds; Worldwide purchasing power; and Safety, no need to carry cash. Additional BANKOMATIKO Card Features Cirrus Use your BANKOMATIKO card to make a cash withdrawal at all ATMs worldwide carrying the CIRRUS logo. Maestro (Debit Card) Your BANKOMATIKO card is also a debit card that you can use locally (CashNet switch) and internationally at all establishments in St. Maarten, Curacao, St. Eustatius, Saba and Aruba displaying the Maestro logo (e.g., supermarkets, Utilities, restaurants, pharmacies, retail, etc.) to make purchases with. These transactions are processed on-line and are immediately deducted from your Current account or Savings book/ Account. Important Note: Maestro point-of-sale (P.O.S) and Cirrus transactions are restricted to the features of the ATM in the country you are in. Upon processing, the Bank will determine which account to debit from, if the account selection was not available. FunMiles Now with every purchase made with your Bankomatiko card any time anywhere in St. Maarten, Curacao, Aruba and BES islands, you can earn Fun Miles. As soon as you have registered your Fun Miles account you will start earning 1 Fun Mile for every ANG 5,- with every purchase. The Fun Miles will be automatically credited to your Fun Miles account. It doesn t matter where you use your card as long as it is a purchase and not a cash withdrawal from 2
an ATM. Visit www.wib-bank.net and www.funmiles.net for more information. Cashnet (Local ATM network) CashNet provides convenient cash withdrawal to all BANKOMATIKOs (MCB Group- Curacao, Bonaire, St. Maarten and Aruba). Not available in St. Eustatius and Saba Hint: If you use your BANKOMATIKO card at non WIB/ MCB group ATMs displaying the CashNet logo, you will avoid paying extra charges on your cash withdrawals. When you sign up for a WIB BANKOMATIKO Card you are also eligible to make use of our other convenient self service facilities: Telebanking and WIB@home. For more information on how you can take advantage of these services, please contact any of our Sales & Service Officers (SSO) 3
BANKOMATIKO (ATM SERVICES) The BANKOMATIKO is a WIB/ MCB group Automated Teller Machine (ATM) which is opened 24 hours a day, 7 days a week and displays four different languages (English, Papiamento, Dutch or French). ATMs are available worldwide, and are conveniently located in St. Maarten, Saba, St. Eustatius, Curacao, Bonaire and Aruba. HINT: The following WIB ATM locations can dispense in Euro; Divico Colebay, Grand Marche Colebay, Airport (2), and Atlantis Casino. Card Network Logos accepted: Card logos (brands) accepted: The types of services you are able to process are: CASH WITHDRAWAL Current Account, Savings Account Credit Cards (Visa, Mastercard, American Express, Kompa Leon) Prepaid cards (personalized Money Cards (Visa & Kompa)) BALANCE INQUIRY Current Account, Savings Account Kompa Leon Credit Card (N/A St. Eustatius and Saba) Deposits on Current Account, Savings Account Mini-statement request Chequebook request Prepaid Telephone Recharge: - Easy Charge (reloading UTS phones) (St. Maarten, Saba, St. Eustatius) - Util (Curacao) 4
The BANKOMATIKO Terminals have been designed for easy use. Once you have correctly inserted your BANKOMATIKO card, the display panel will guide you step-by-step. 1 2 3 4 5 6 7 8 9 10 5
BANKOMATIKO (ATM) FEATURES CASH WITHDRAWAL Current Account, Savings Book Withdraw funds from your Current Account or Savings for a small transaction fee at all Bankomatikos in St. Maarten, St. Eustatius, Saba (The Windward Islands Bank Ltd.), Curaçao (Maduro & Curiel s Bank N.V.), Bonaire (Maduro & Curiel s Bank (Bonaire) N.V.), Aruba (Caribbean Mercantile Bank N.V.) and at all ATMs worldwide which display the Cirrus logo. Credit Cards Make cash withdrawals from your credit card at any BANKOMATIKO or ATM worldwide which display the following logos: Visa Plus, MasterCard Cirrus and American Express credit cards. In Addition, Kompa Leon cash withdrawals can be made at any BANKOMATIKO or ATM displaying the CashNet logo. Quick Cash A speedy withdrawal of either NAF 50.00 or USD 20.00 can be made. Note: You are able to make a maximum cash withdrawal of NAF 1,820.00 equivalent to USD 1,000.00. BALANCE INQUIRY Current Account, Savings Account Kompa Leon (local credit card) A balance inquiry can be requested of any of your registered Current and/or Savings accounts, as well as balance inquiries of your Kompa Leon account. (Please remember to have your Kompa Leon PIN available.) Not available in St. Eustatius and Saba Transfers (NAF or USD) To use this service, you should have at least one current Account and one Savings Account registered on the 6
BANKOMATIKO system. Transfers from one account to another or from one Savings Account to another Savings Account are possible, as well as transfers from a Current Account to a Savings Account. Deposits (NAF or USD) Deposits can be made to any of your Current Accounts or Savings Account in NAF or USD. Special deposit envelopes are conveniently located in the drawer on the BANKOMATIKO machine. (Please DO NOT include any coins as part of your deposit). Simply insert your cash or checks and deposit slip; seal the envelope securely and insert it in the slot below. Mini-Statement Request You can request a mini-statement which will consist of your last transactions. Chequebook Request Chequebooks can be easily ordered from our BANKO- MATIKO system and will be delivered to your last requested location. Prepaid Cell Phone Recharge This service allows immediate recharge of your (UTS) cell phone at any of our BANKO- MATIKO locations. There is a minimum recharge amount of NAF 10.= / US$ 5.50. (There is no fee for Utilizing this service.) How to make use of Easy Charge: - Register once at any WIB ATM - Receive your pincode by sms. - Send an sms to 1111 with the amount and your pin code. - Immediately receive you new call credit. For more information visit any WIB or Chippie office in St. Maarten, Saba or St. Eustatius. 7
IMPORTANT Help us protect you By practicing these simple rules below, you can reduce the opportunity for misuse of your BANKOMATIKO, Kompa Leon, Visa, MasterCard and WIB American Express Cards. 1. Always remember to sign your card on the back (where indicated) as soon as you receive a new one. Destroy your old cards by cutting them in half, thus making it impossible for anyone else to misuse them. 2. Protect your Pin-code at all times. Never write down your PIN (Personal Identification Number ) code anywhere or record it in a palm pilot or any other electronic organizer. Instead, memorize it and never disclose this secret number to anyone. 3. Always remember to get your card back after each transaction, especially at stores/restaurants and when you are traveling. There has been a sharp increase in fraud in which the card was not returned or skimmed (copied). 4. When using your card at a store or an ATM, always make sure that nobody can see you keying in your pin number. Be extremely aware of people looking over your shoulders or standing behind you. Also be very aware of the too friendly helpers at an ATM, who pretend to help you, while their sole intention is to get your pin number. 5. Report the theft of a card or lost card immediately. Most frauds, involving stolen cards, occur in the first few hours after the robbery. If there is a theft please obtain a Police report. Our Bank has a convenient 24/7 service available to its customers for reporting lost/stolen cards. During office hours please call (599) 542-3422 and after office hours (599-9) 466 0800. 6. When traveling keep your cards in your care at all times. Keep them secured in a safe place and treat them as if they were cash. Tip: write down the card number and bank telephone number on a separate secured paper. 8
7. Never give away your card number to telephone or internet vendors if the transaction was not initiated by yourself. Use sound judgment when providing your card number to telephone or internet vendors and do this only if you feel the company is trustworthy and the information is transmitted via a secured site. 8. Reconcile your transactions daily via WIB s online services; WIB@Home (access to personal Accounts). 9. Reconcile your statements each month. Make sure all transactions are accounted for and if not contact the Bank immediately. 10. Keep these important telephone numbers handy: During banking hours: WIB BankCard Services: (599) 542-3422 After banking hours: (599-9) 466-0800 Procesa Panama (507) 263-7922 Toll free in U.S.A 1-800-782-3201 SWALLOWED CARD Your BANKOMATIKO card will automatically be swallowed by the BANKOMATIKO for the following reasons: 1. If you have incorrectly pinned three times. 2. If the magnetic stripe on your BANKOMATIKO card has been damaged. 3. If your BANKOMATIKO card has been reported stolen and has been blocked. To retrieve your swallowed BANKOMATIKO card during business hours, simply contact the nearest Information Service Officer (ISO) at any of our branches or use the emergency phone located inside the BANKOMATIKO. Note: In the case of a damage magnetic stripe, we suggest that you drop by our Information Service Officer (ISO). 9
CONTACT NUMBERS ST. MAARTEN A.T. Illidge Road Branch Tel (599) 546-2939 Fax: (599) 5430249 BankCard Services, Cannegieter Road Tel (599) 542-3940 Fax (599) 542-3251 Bush Road Branch: Tel (599) 542-7948 Fax: (599) 542-7953 Cole Bay Branch, Orange Grove Tel (599) 544-5490 Fax: (599) 544-5491 Insurance Services, A.T. Illidge Rd Tel (599) 542-0000 Fax (599) 542-5613 Main Office, Clem Labega Square Tel (599) 542-2313 Fax: (599) 542-4761 Personal Loans & Mortgages, Bush Road Tel (599) 542-9536 Fax (599) 542-9258 Simpson Bay Branch Tel (599) 545-3063 Fax (599) 545-3002 SABA BRANCH Tel 0416-3900 Fax 0416-3901 ST. EUSTATIUS BRANCH, Mazinga Square Tel : 0318-2846 Fax: 0318-2850 Your Partners in Progress www.wib-bank.net 10
ATM 24 CONVENIENT LOCATIONS St. MAARTEN A.C. Wathey Cruise Facility Airport Arrival Hall Airport Departure Hall Airport - St. Eustatius Bush Road (2) Captain Hodge Wharf Delta Gas Station Divico Colebay Grand Marché Cole Bay Greenhouse Restaurant Main Office Philipsburg (2) Oyster Bay Resort Pelican Porto Cupecoy Princess Casino Risdon s Sol Drive Thru Simpsonbay Branch Sol Madame Estate Sol Simpsonbay Drive Thru St. Rose Arcade Sunny Food Supermarket SABA The Bottom ST. EUSTATIUS Airport Tel: (599) 542-2313 Fax: (599) 542-4671 Your Partner in Progress www.wib-bank.net BLUEORANGE DESIGN WIBBankomatiko-20-1/2013