There’s an easier way to bank.

Online Banking is a convenient tool which allows you to have access to your account information and conduct banking transactions. It allows you to log on to a secure and personal environment where your banking is conducted at your convenience. 

Our Online Banking solution allows you to:

• Apply for selected accounts 
• Check account, loan or credit card balances 
• View your account transaction history 
• View your credit card transaction history 
• Transfer funds between your First Citizens accounts 
• Pay bills to over 30 merchants 
• Apply for an increase in your credit card limit 
• Place and remove stop payments 
• Request credit card increase
• Fill out an Online Wire Transfer Request Form
• Pay multiple payees in a single transaction.
• Re-order cheque books.
• Download account information to Microsoft Excel, Quicken and Money formats.
• Transfer from your Abercrombie fund.

Any First Citizens customer with a valid deposit, investment, loan or credit card account can sign up for the Online Banking service. 

The Online Banking experience is free of charge to any of our customers, all fees normally associated with our other products and services remain applicable. 

• New customers to First Citizens 
• Existing First Citizens customers
• Individuals only

New Customers 

New customers to First Citizens bank are required to open an account before registering for Online Banking. You will be required to: 

• Visit our Online Banking page 
• Go to the Enroll Now section
• Choose the account you wish to open 
• Complete all the required information 
• Set your Online Access information
• Submit your application

Your request will be processed and you will be contacted by an Online Banking representative to visit the Branch most convenient to you, to complete the registration process. You will be automatically registered for our Online Banking service.

Existing Customers 

Customers who already have a valid deposit, investment, loan or credit card account with us, may register for Online Banking, and will be required to: 

• Visit our Online Banking page 
• Go to the Enroll Now section
• Complete the First Citizens Online Banking Request form
• Send us your signed print of the Interactive Banking Services Agreement and attach a copy of Identification

You will be contacted by a Customer Service Representative  to notify you when your registration is completed. 

Yes, if you have at least one account with us, you may register for Online Banking service by visiting any one of our Branches or our E-Business Unit (1st Floor, Independence Square) and speak with a Customer Service Representative. Please walk with at two forms of valid identification to successfully complete this process. 

This is simply an agreement between you the customer and the bank. It gives permission to First Citizens Bank Limited to make your account and financial information available to you via the internet. 

Yes. Once you are registered as an Online Banking customer and have signed the Interactive Banking Services Agreement you may start using the First Citizens Online Banking service. 

Yes. The First Citizens Online Banking experience allows you to apply for new accounts online. You have the option of applying for a deposit, investment, loan, credit card account or increase in your credit card limit. 

Yes. First Citizens customers who reside outside of Trinidad and Tobago can apply online and will be contacted and guided thoroughly by an E-Business Customer Service Representative. Contact can also be made by emailing FCB-E-BANK@firstcitizenstt.com

Each First Citizens customer is given a unique identification number, referred to as the Customer Information File (CIF) number. All accounts in the customer’s name at First Citizens will be linked to this CIF number. The CIF number assisgned to the customer is to be used as the UserID on the First Citizens Online Banking.

First Citizens Online Banking allows you to view most of your deposit, investment, loan and credit card accounts. These accounts must be in your name or you must be a joint holder of the account. You are also able to view Trading As or Sole Proprietorship accounts. 

Active accounts have been in use within the past six (6) months.

Inactive accounts have had no activity for at least six (6) months. To re-activate an Inactive account you must visit a First Citizens branch to make a minimal cash deposit into the account; the account will be re-activated immediately.  

Dormant accounts have had no activity for at least one (1) year and require you to visit your home branch to be re-activated. Please always walk with valid identification and a minimal deposit to have these account re-activated.

You may transfer money using Online Banking to any of your savings, chequing, loan or credit card accounts. The accounts which are eligible to be debited and credited will automatically default in the dropdown list when making the transfer. 

Yes, you may view a history of your transactions online. This applies to your savings, chequing, loan and credit card accounts. Your transaction history can assist you in tracking the money you spend, and this allows you greater control over your finances. 

You must go the Balance Inquiry module where all your accounts are listed. Click on the account number and the transactions for that account will display. You may also review your transactions extending from the inception of the account, or search for specific items by entering a date range. 

The information available for your credit card now includes your Statement Date, Opening Balance, Charges, Credits, Payment in Full, Minimum Balance and your Payment Due Date. 

This is a special feature of our Online Banking application, which has been developed to ensure the security of your financial information. 

The amount available in cash upon cancellation of an insurance policy,  before it becomes payable upon death or maturity, also called cash value or surrender value.

A payee is an individual or insititution who you wish to pay. You may choose a Payee from the Bank’s Standard list of Payees or may choose to add a Custom Payee which is a person who must have an account with First Citizens. You can also make payments to multiple payees in one single transaction.

Click the link to learn how to add a payee

We have a listing of thirty (30) Standard Payees under the following groupings:

Bills/Utilities 

• Columbus Communications 
• Digicel 
• T&Tec 
• TSTT – Land Line/Internet 
• TSTT – Mobile 
• Water and Sewage Authority

First Citizens Credit Card  

• First Citizen VISA Card 
• First Citizens MasterCard

Other Banks 

• Intercommercial Bank 
• RBTT 
• Republic Bank Limited 
• Scotiabank T&T Limited

Other Financial Institutions 

• American Life and General Insurance Co 
• Caribbean Money Market Brokers 
• Colfire 
• Colonial Life Insurance Company 
• Eastern Credit Union 
• Guardian Life Insurance Company 
• Hindu Credit Union Co-op Society Limited 
• Rhand Credit Union 
• Sagicor 
• TATIL 
• Trinidad and Tobago Mortgage Finance Co 
• Trinidad and Tobago Unit Trust Corporation

Other/Miscellaneous 

• American Stores 
• Carib-Link 
• Courts Trinidad Limited 
• Housing Development Corporation 
• Standard Distributors 
• WOW Net Limited

When adding a Standard Payee you must reference the account number of the merchant by using a bill/receipt from the merchant. Enter the entire account number as stated on the bill/receipt. Do not enter spaces, dashes etc. You will be required to enter the accountholder’s name when adding some Payees. 

It is important to always enter information accurately when adding a Payee as this is used to credit your account at the respective institution.

When a bill payment is made, the funds are debited from your account immediately. Within the next business day the payment is sent to the institution to be updated. We advise however that you initiate your payment at least five (5) business days before the payment is due at the receiving institution. 

If you make your credit card payment before 3:15 p.m. Monday to Thursday and before 4:30 p.m. on Friday, your funds will be credited and available for use by the next 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. 

Yes, you can set up recurring bill 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. Submit the information and your schedule will be set up. Go to Pending Transfers/Pending Payments in the main menu to view your schedule. 

When funds are transferred between First Citizens savings, chequing, loan and some investment accounts the transaction is immediate. Credit Card payments however take longer and can be credited within 48 hours. 

Yes, you can view the names of payees and the payee account number in the Session History.

First Citizens takes the privacy of your personal information very seriously, and uses the process called encryption to make this happen. Encryption is a process which transforms sensitive information into unrecognizable characters before it is transferred over the internet. After it has transferred, the characters are then re-converted to recognizable characters for you to read. 

In order to facilitate the personal internet banking experience, First Citizens Online Banking requires the use of 128-bit encryption. 

The browser versions required for you to fully enjoy the Online Banking experience include the following which offer 128-bit encryption: 

Internet Explorer – version 8 and above, latest version preferred  

Google Chrome – any version, latest version preferred 

Mozilla/Firefox – any version, latest version preferred 

If you have an older version that is not supported by the First Citizens Online Banking solution, you will be notified that your browser does not meet the security standards. You will then be referred to links to facilitate an upgrade in the version of your browser. 

Your Transaction PIN confirms that you initiated 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 Transaction PIN with anyone.

Your Transaction PIN can be changed very easily via the link on your transaction page. eg. as you transfer funds or as you make a payment.

A password hint is a word or phrase that will help 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 to guess. Do Not enter your password as your password hint. 

The Secret Question is a strong security measure, which appears during the Forgot Your Password process. The system prompts you for your answer to your Secret Question, which you would have previously entered. Your answer to your secret question is encrypted for security reasons. This is used to authenticate your identity and you will be allowed to continue on. You may change your secret question and answer at any time by accessing your Security Information 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 change it right away.  If you are unable to follow the instructions online or have also forgotten your User ID you may contact the E-business Unit at 62-FIRST (34778) or send a mail to FCB-E-BANK@firstcitizenstt.com or channelsupport@firstcitizenstt.com for further assistance.

When you log in for the first time from a new computer, we put a secure (encrypted) cookie on your computer. This cookie contains a randomly generated unique number that identifies your computer. The cookie is visible only to the First Citizens Bank Limited, web site and does not contain any of your personal information. When you log in after that, your web browser sends us this cookie to verify that this is your computer.

Secure messaging is your personal method of communication should you need to directly contact us. 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 will be notified via your personal e-mail address when we have responded to your message.

You may contact our E-Business Unit at 62-FIRST (Options 3 and 4) or send and e-mail to FCB-E-BANK@firstcitizenstt.com for matters relating to Internet Banking. 

For enquiries relating to transactions you may also contact our E-Business Unit at 62-FIRST (Options 3 and 4) 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.