Savings
First Citizens provides easy, 24/7 access to your money. Experience the advantages of banking just the way you want to.
Personal Savings
Classic Reward Savings
The Classic Reward savings solution is the savings solution that rewards the diligent saver. You can gain competitive interest, have easy access to your funds and maintain the flexibility that you need.
The Classic Reward Savings solution offers tiered interest rates and is insured by Deposit Insurance Corporation of Trinidad and Tobago.
- Start with a deposit of at least TT$500
- Salary Processing and Standing Order facilities
- Inter-branch banking
- Maintain minimum balance and do not pay monthly service charge
- 24-hour access to your account with your debit card across our wide ATM network
- Easily view, download and print your monthly eStatement
Insured by the DIC Corporation of Trinidad and Tobago. (Up to $200,000)
Statement Savings
Open the Statement Savings solution for easy access to your funds while gaining interest monthly when you maintain the minimum balance.
This savings solution is well suited to individuals who are on the go and require a safe facility to keep their funds until it is ready for use.
- Start with a deposit of just $100
- Manage routine payments with Salary Processing and Standing Order facilities
- Inter-branch banking – allows transactions at any First Citizens branch
- 24-hour access to your account with your debit card across our wide ATM network
- Easily view, download and print your monthly eStatement
Insured by the DIC Corporation of Trinidad and Tobago. (Up to $200,000)
SimpleSave
The SimpleSave Account is a savings solution that is well suited to individuals who do not have an account at any other financial institution and require simple local banking transactions
- Start with a deposit of at least $5
- Earn competitive interest rates on your balance
- Have immediate access to your funds by using your debit card at our ATMs and POS terminals
- Manage routine payments and keep track of your savings with Online Banking, Mobile Banking and Telebanking Channels
- Applicants must not have had a bank account before
- Account can only be used for local transactions. Easily view, download and print your monthly eStatement
Insured by the DIC Corporation of Trinidad and Tobago. (Up to $200,000)
Planned Savings
Escalator Savings
The Escalator Savings solution is a savings solution that was created for those individuals who have difficulty saving. It is a savings solution that provides you with the opportunity to save for a particular goal by developing a serious plan.
This account encourages saving by establishing a goal amount and the account holder makes regular deposits of $50 or more for a 1-3 year period. This account can be used by individuals to save for a car, education, or home. Please read below for additional information on the features of this account.
- Interest calculated daily and credited annually or at maturity
- Short-term contract savings account
- Open with as little as TT$50
- Flexible deposit options
- Save regularly to meet a specific savings goal
- The more you deposit, the more interest you are likely to earn
Aspiring Home Savings Plan
The Aspiring Home Savings Plan is an extended term Escalator Account geared towards persons aspiring towards home ownership.
- The Aspiring Home Savings Plan is an extended term Escalator Account geared towards persons aspiring towards home ownership
- You benefit from higher interest rates than the regular Escalator Account
- Minimum Opening Deposit – TT$200
- Minimum Monthly Deposit – TT$200
- Maximum Monthly Deposit – NIL
- Minimum Contract Period – 3 years
- Maximum Contract Period – 5 years
Youth Savings
nEo Destiny
First Citizens nEo Destiny is more than just a savings account! It is an account specifically designed to help develop financial skills for children from birth to 12 years in a fun and simple way.
The account is incredibly easy to open and it offers the stability and security needed to teach children to manage money. It also encourages them to save by offering attractive bonuses nEo Destiny Savers save even more with fantastic discounts from the listed participating merchants.
First Citizens understands the importance of helping children to save and spend money wisely so that they will be better prepared for the transition from childhood into adulthood.
For further details of nEo Destiny, please see below.
Features and Benefits of nEo Destiny:
- For customers from birth to 12 years
- No service fees to maintain account
- Start with a deposit of TTD$50
- Free Online Community. Visit www.facebook.com/FirstCitizensYouth
- Have a minimum balance of TTD$100 for interest calculation
- Daily withdrawal limit of TTD$3,000
- Free nEo ATM card
- Eligible to win one of 5 Educational Awards of Achievement. Just submit your SEA results of the current year
- Financial education programme targeted to both children and parents
- Special Gift Certificates can be purchased and used as a deposit to the account
- Free Online Banking and Telebanking (62-FIRST) Services
- No service charges for drafts required for payments to educational institutions
Insured by the DIC Corporation of Trinidad and Tobago. (Up to $200,000)
nEo Aspirer
Save better so you can spend smarter!
Parents! First Citizens nEo Aspirer is the savings account to teach your teens to save!
Teens! First Citizens nEo Aspirer is the gateway to financial freedom!
nEo Aspirer is First Citizens’ coolest savings account and is specially designed for persons 13-17 to help them develop responsible financial management habits.
nEo Aspirer provides teens with key financial tools that allow them to get a head start on the road to financial freedom. With nEo Aspirer teens receive expert financial advice and guidance on making the most of their money. This account also has added benefits and incentives such as fantastic discounts from the listed merchants below.
Features and Benefits of nEo Aspirer:
- For individual persons between 13 to 17 years
- No service fees to maintain account
- Start with a deposit of TTD$50
- Have a minimum balance of TTD$100 for interest calculation
- Daily withdrawal limit of TTD$3,000
- Free nEo ATM card
- Free Mobile banking
- Free Telebanking
- Free Online banking
- Free drafts for payments to educational institutions
- Free Online Community. Visit www.facebook.com/FirstCitizensYouth
- Eligible to win an Educational Awards of Achievement; just submit your CSEC results of the current year
- Financial education programme targeted to both children and parents
- Special Gift Certificates can be purchased and used as a deposit to the account
Insured by the DIC Corporation of Trinidad and Tobago. (Up to $200,000)
nEo Acheiver
Your own vehicle. Higher education. Your own home. You’ve got goals you want to achieve. First Citizens nEo Achiever is here to help.
nEo Achiever helps young adults 18-25 save to reach their goals and provides many advantages along the way. Start with as little as TT$50 and use nEo Achiever as the foundation to build your dreams.
nEo Achiever gives you more!
- No maintenance fees
- No annual fees for nEo Account Holders who apply for a VISA Tertiary Credit Card
- 25% discount on annual fees for nEo Account holders who apply for a VISA Classic Credit Card
- Daily withdrawal limit of TTD$3,000
- No service charges for drafts required for payments to educational institutions
- No service fees except Linx and ATM transactions
- Free nEo ATM Card
- Free Mobile Banking, Online Banking and Telebanking
- Free recorder and quarterly statements
- At age 25, convert your nEo account to any First Citizens Deposit Account
- The nEo Account Holder with the best CAPE/ A levels results will receive an Educational Award valued at TT$3,000 and an Award of Achievement
- The nEo Account Holder with the best tertiary performance will receive an Educational Award valued at $6,000 and an Award of Achievement
* Must save a minimum of $500 monthly in your nEo Account to be eligible
** CAPE results of the current year must be submitted to any First Citizens Branch or First Citizens Marketing Department
*** Applicable to Bachelor Degrees only. Must have completed your Bachelor Degree of the current year and submit your results to any First Citizens Branch or First Citizens Marketing Department
Insured by the DIC Corporation of Trinidad and Tobago. (Up to $200,000)
Fixed Deposit Savings
TT Fixed Deposit
With a First Citizens Fixed Deposit Account you can be assured that your money grows safely and soundly.
- Terms of 3, 6, 12, 18, 24 and 36 months
- Minimum opening deposit $1,000
- Interest Rate Structure Interest rate is paid based on the band of savings as well as the term of the deposit. The deposit bands are as follows:
- $1,000 – $19,999
- $20,000 – $99,999
- $100,000 – $249,999
- $250,000 – $499,999
- $500,000 – $999,999
- Over $1,000,000
USD Fixed Deposits
- Terms of 30 days, 3, 6 & 12 months
- Minimum opening deposit of $1,000.00
- Interest Rate Structure Interest rate is paid based on the band of savings as well as the term of the deposit. The deposit bands are as follows:
- $1,000 – $74,999
- $75,000 – $149,999
- $150,000 – $999,999
- Over $1,000,000
Additional Benefits
- Your funds can act as excellent security for a loan you may need
- You have the ease of automatic renewal of your contract at the end of the period
- Our free Telebanking Service allows you to perform banking transactions from a touch tone telephone. It saves you valuable time
- You can also sign up for our free Internet Banking Service to conduct banking transactions from anywhere and at anytime.
- Our free Mobile Banking Service allows you to access your accounts from a mobile device. You can access account balances, account history, Transfer funds and account alerts all from your mobile phone.
Please note:
The Policy of the Bank concerning the payment of interest on Fixed Deposits broken before maturity is as follows:
- Less than 3 months – $20 plus no interest
- More than 3 months – Savings rate, number of days
- Interest rates and terms of default are subject to change and customers will be advised accordingly
Insured by the DIC Corporation of Trinidad and Tobago. (Up to $200,000)