MCB Frequently Asked Questions / MCBDirect Business

What is MCBDirect Business?
MCBDirect Business is the Internet banking service of Maduro & Curiel's Bank N.V. MCBDirect Business enables business customers to do banking from a personal computer anywhere, anytime.

What is required to start using MCBDirect Business?

  • Active Business Account(s)
  • Personal Computer with Internet Connection
  • Current Version of Microsoft Internet Explorer or Netscape Navigator

What services does MCBDirect Business offer?

  • Balances on Current, Savings, Credit Card, Personal Loan, Personal Mortgage, Time, Investment, and Insurance Accounts
  • Transaction History
  • Verify Status of Individual Checks
  • Retrieve Last 10 Debits and Credits
  • Pay Bills (Make Payments), Locally and Internationally – Make payments to any 3rd party
  • Order Checkbooks
  • Place Stop-Payment on Lost or Stolen Checks
  • Retrieve Online Messaging from Maduro & Curiel's Bank

What does it cost to use MCBDirect Business?
MCBDirect Business has no monthly fee and it has the following transaction fees, with additional charges for Stop Payments and Checkbook Orders.

Transaction type Amount (NAF.)
Within own Accounts Free of charge
Bank Vendor List Payments 1.00 + OB per transaction
3rd. Party Payments (not vendor list) 1.00 + OB per transaction
Wire Transfers Standard fees apply

The password does not work, how can it be reset?
If you have forgotten your password, please call our support staff at 466-1836. A reset will be done and a new temporary password issued immediately.

What are the security features of MCBDirect Business?
The safety and security of your online account information has always been a prime concern of Maduro & Curiel's Bank. While your accounts and transactions are highly secured, we are constantly striving to improve this protection. For a full description of our security features, read Enhanced Security.

Where is help available?
Throughout MCBDirect Business, there are context sensitive help screens for your assistance. Click on the HELP button in the upper-right corner of each screen. If additional support is required, please send your question or comment via email to or call 466-1836.

Account Information

Which accounts can be viewed on MCBDirect Business?
All active accounts you are authorized to view, as well as the account balances of your Credit Card(s), Personal Loan(s), Mortgage(s), Time Deposit(s), Call Account(s), Investment Account(s) and Insurance Policies.

What needs to be done to view additional accounts on MCBDirect Business?
On the main accounts page, there is a link to add additional accounts. Click on the link and fill out the form to request the additional of other accounts to MCBDirect Business.

How far back is it possible to view transactions in MCBDirect Business?
A customer can view current and savings account transactions up to six (6) months back.

Can statements be viewed in MCBDirect Business?
Yes, statements for Current, Statement Savings accounts and all Credit Cards are available in light-weight full color online versions that print in an ink conserving way, or save the full color PDF on your computer.

When can today´s transactions be viewed in MCBDirect Business?
Transactions submitted and processed on MCBDirect Business, or through other bank departments, prior to 2:00 pm on business days will show up MCBDirect Business after 11:00 pm that same day.

Account Transfers

What is an account transfer and how does it work?

An account transfer is moving funds between the Current and/or Savings Account(s) that are set up in MCBDirect Business. Transfers are supported in NAf., USD and Euro currencies. The transfer will occur in the currency of the From account. To transfer funds, select the account you want to transfer funds from and the account you want to transfer the funds to.

Is it possible to transfer Dollars and Euro´s?
Yes, it is possible to transfer US Dollars and Euros if the transfer From account is a Foreign Currency account. It is also possible to make payments from a US Dollar or Euro account.


A bill has been paid but the balance of the account did not change. Why not?
When scheduling a payment, the balance of the selected account will not reflect payment of the amount until payment has been processed during our settlement procedure, between approximately 4:00 and 5:00 pm.

When does the beneficiary of a bill actually get the payment?
If the beneficiary´s account is at Maduro & Curiel's Bank, the payment will be received the same business day. For beneficiaries at other local banks, it takes about 3 days for the payment to be received. Please allow an adequate amount of time for the payment to reach the beneficiary.

Can beneficiaries at other banks be paid via MCBDirect Business?

How can a beneficiary on another island be paid?
If the beneficiary is within the MCBGroup the same payment procedure applies as with local banks, selecting the beneficiary´s account from the Dropdown Menu on the payment page. If the beneficiary does not appear on the Dropdown Menu list, payment can be executed by means of a Wire Transfer.

How can a beneficiary in the USA or Europe be paid?
Beneficiaries in the USA or Europe can be paid by Wire Transfers.

How can beneficiaries in the world, other than the USA or Europe be paid?
All international beneficiaries can be paid by Wire Transfer.

Is it possible to get a confirmation that a payment has been made?
MCBDirect Business generates confirmations both at creation of the payment and at its execution.

Can a local bill be paid from a Dollar or Euro account?
Yes, however, the beneficiary account will be credited in its native (e.g. NAf.) currency.


What are the transaction limits?
Transfers and payments are subject to the following daily and amount limits, subject to change by the Bank.

Transaction type Number per Day Amount

Transaction type Number per day Amount per day (NAF.) Amount Single Transaction (NAf.)
Within own Accounts 20 Unlimited Unlimited
Bank Vendor List Payments 20 25000 25000
3rd. Party Payments (not vendor list) 20 25000 25000
Wire Transfers 5 25000 25000


Prepaid Phone Recharge

Prepaid Phone Recharge

Which prepaid phones can be recharged on MCBDirect Business?
All UTS prepaid phones: UTIL/CHIPPIE/TELEFASIL can be recharged through MCBDirect Business.

How are prepaid phones recharged on MCBDirect Business?
By making an immediate (Pay Now) payment to the beneficiary UTS UTIL/CHIPPIE/TELEFASIL in the 'Payments' section.

When is the recharge applied on the prepaid phone for use?
The recharge will take place within 5 minutes after a Pay Now transaction. If you schedule a recharge, rather than use Pay Now, the recharge will take place after 4 pm.

Checkbook Orders

When an application for a checkbook is made, where is the checkbook sent and when can it be picked up?

The checkbook is sent to the pickup branch as specified on the request form. Checkbooks are ready for pickup 2 business days after your online checkbook order.