About Payments

Welcome to First Citizens Online Banking.

• Manage your accounts, Pay your credit card
• Open accounts, Apply for loans and credit cards
• Pay bills and transfer funds to friends and family

Get started today sign up now…

First Citizens Online Banking

First Citizens Online Banking … enjoy the ease and accessibility of the simplest yet most powerful money management tool available to you.

This absolutely FREE service, allows you to do your routine banking and non-banking transactions at your whim and fancy!  

Available 24/7, all you need to move to the ultimate in Self Service Banking is internet access. Further details on system requirements can be found at FAQs – Security.

No other service affords you the widest variety of transactions and benefits as the First Citizens Online Banking Service:

• View your First Citizens account and credit card balances and transaction history anytime. No need to wait on statements!
• Access a Secure and Convenient online channel to send your requests for service and assistance, through the Online Banking Secure Messaging Facility!
• Transfer funds quickly between your First Citizens accounts OR to anyone else at First Citizens or any other local bank!
• Pay your First Citizens and other banks’ credit card bills easily!
• Make payments to over 30 institutions, including other Banks, Financial Institutions and merchants! Save time!
• Open an account or apply for a loan online. So fast and easy!
• Stay informed. When you’re on the go, receive account alerts via e-mails.
• Online Wire Transfer Request Form
• Ability to pay multiple payees in a single transaction.
• Ability to re-order cheque books.
• Ability to download account information to Microsoft Excel, Quicken and Money formats.
• Transfers from your Abercrombie fund.

All these transactions are done in a highly secure environment that encrypts your information as you transact. In addition, you are well covered by a host of security measures such as secret questions and transaction pins.  Click for more details.  

Customer Support for Online Banking Customers is just as convenient as the service itself:

1. Call our Contact Centre at 62-FIRST Option 3 (623-4778 Option 3)

2. Log in to the Online Banking Service, once possible, and send a Secure Message OR

3. Send an email to channelsupport@firstcitizenstt.com OR

4. Our Web Chat option

Interested in Online Banking?

Do not hesitate….register or start using the service NOW to reap the fruits of more time and a more relaxed frame of mind.

If you like our Online Banking Service, we encourage you to also check out our: Mobile Banking and Telebanking Services too. These services offer many similar benefits and you never know when you may need them most!

The First Citizens Telebanking Service brings convenience to your fingertips….saving you precious time and money.

This simple Self Service Telebanking service is available 24 / 7 to anyone with access to a landline or cellular phone and allows you to do your most routine banking transactions whenever you want to!

Take advantage of the many benefits you can easily access from this FREE service!:

• Access to information at your fingertips!

Listen to your First Citizens account/credit card balances and transaction history anytime! Obtain information on your savings, chequing, some investment, loan and credit card accounts!

• Flexibility when you need it most!

Transfer funds quickly between your First Citizens accounts! Authorise cheque stop payments!

• Manage your First Citizens credit cards!

Access your outstanding and available balances, your minimum or full payment amounts required plus pay your credit card when you want to, 24/7!

• Convenient payment method for your vital needs, 24/ 7!

Pay your WASA, TSTT, TTEC and your First Citizens credit card bills at your convenience!

So how do you access all these great benefits of the First Citizens Telebanking Service?

1. Register for the Service.
2. After registration, you can access the Service by calling 62-FIRST (623-4778) and selecting Option 1 for the Self Service Option
3. Enter your Customer Identification Number (CIF) and your Personal Identification Number (PIN), assigned during the registration process.
4. Proceed to select the transaction of your choice, as stated to you by the system.
 

What are the requirements and how do I register for the First Citizens Telebanking Service?

1. Firstly, you should own a First Citizens account, either a savings, chequing, investment, loan or
credit card account.
2. Then, you can visit any of our conveniently located branches throughout Trinidad and Tobago OR
3. You can begin the process by submitting your contact information and we can then assist with your branch appointment to complete the process.

How secure is this Service?

This is a PIN based service, which simply means that the only way information can be accessed is if someone knows your PIN. Your PIN is selected during the registration process but can also be changed anytime after registration through a secure process. As with any other PIN based service, you determine how secure it is by the safeguarding of your PIN; no one should know your PIN except you!

Tips for Using the First Citizens Telebanking Service:

1. Bill payments should be made at least five business days before the actual due date of the bill.
2. Monitor your accounts regularly by listening to recent transactions. Query suspicious activity as soon as you detect it.
3. Contact our Contact Centre Staff using 62-FIRST (623-4778) Option 3 if you have any queries.

Customer Support for TeleBanking Customers is just as convenient as the service itself:

1. Call our Contact Centre at 62-FIRST Option 3 (623-4778 Option 3)
2. Log in to the Online Banking Service, if registered for this service and send a Secure Message OR
3. Send an email to channelsupport@firstcitizenstt.com OR
4. CLICK TO CHAT our Web Chat Option

Interested in the First Citizens Telebanking Service? Do not hesitate….register or start using the service NOW to reap the fruits of more time and a more relaxed frame of mind.

If you like our Telebanking Service, we encourage you to also check out our: Mobile Banking and Online Banking Services too. These service offer many similar benefits and you never know when you may need it most!

Utilise our convenient network of  52 Onsite and 67 Offsite  ATM Locations within Trinidad and Tobago.   

Features :

• Withdraw cash from your First Citizens deposit accounts 
• Make deposits to your First Citizens deposit accounts 
• Transfer funds between your First Citizens deposit accounts
• Make balance inquiries of your First Citizens accounts 
• Pay TSTT, T&TEC and WASA Bills 
• Do Credit Card cash advances 
• Register for UTU Mobile Top Up Service (at Branch ATMs)
• Accepts LINX debit cards 

Tips for using ATMs 

• Memorise your PIN, and never disclose it to anyone, including Bank Staff  
• Change your PIN if you suspect it has been compromised  
• While using the ATM, protect your privacy  
• Stay alert, take stock of your surroundings while using ATMs  
• Before leaving the ATM put away your card and cash properly 
• If your card is lost or stolen report it immediately using 62-FIRST (623-4778) 
• Report suspicious activity when detected 

You can pay your First Citizens credit card at our tellers, at any of our conveniently located branches throughout Trinidad and Tobago.

Payments made using this service will be treated as stated below:

• Monday to Thursday: payments made by 3pm will be updated on the same night. If your payment is made after 3pm, then that payment will be updated on the night of the next working day.
• Friday: payments made by 4.15pm will be updated on the same night. If your payment is made after 4.15pm, then that payment will be updated on the night of the next working day.
• Weekends and Public Holidays: Payment will be updated on the night of the next working day. 

Fast Deposit boxes are available at all our conveniently located branches.

Simply provide all required information on the envelope provided by the Bank and deposit the envelope into the slot. That’s all there is to it!

Please note that payments will be updated on the night of the same or the next working day after the payment was made.

A standing order can be set up from your First Citizens account, to make your monthly credit card payment on or before your payment due date. 

The standing order can be set up for:

1. Your minimum payment – will be deducted only if there is an outstanding balance when your credit card statement is generated

2. Your full payment – will be deducted only if there is an outstanding balance when your credit card statement is generated

3.  A fixed amount – the fixed amount should be more than your minimum payment and will be deducted whether or not an outstanding balance is owed when your credit card statement is generated.

Standing order payments are deducted once funds are available and no account restrictions apply.

Standing order payments to credit cards will update on the night of the next working day after the date of the standing order. This also applies to payments made on weekends and public holidays.

Ask your friendly First Citizens CSR at any one of our conveniently located branches about setting up your standing order to pay your First Citizens credit card today.

In the event that you wish to pay your First Citizens credit card from an account at another local bank, you can arrange to have a payment sent to the First Citizens credit card, so that payment is made on or before the payment due date.

You would need to consider the number of days that the other Bank requires to process the standing order to allow for the payment to be made to your First Citizens credit card account on time ie. before the payment due date.

Whether you are hooked on our Self Service channels or if you prefer more traditional banking, we cater for you, giving you access to your funds in the shortest possible timeframe.