Yes, someone can deposit a cheque on a your behalf, but the unitholder must endorse the cheque.

Any unitholder can deposit to a joint account. Unitholders on a joint account must sign a Joint Unit Holder Declaration Form establishing the signing authority on the account. This declaration gives the unitholder the option of authorising any of the joint holders to process repurchases and transfers on the account.

Repurchases require specific supporting documentation; find out more here.

The details for sending money from abroad differ by location; find out more here.

Everything you should know about using the card is here.

We require different information depending on your employment and residency status, as well as the type of account you are interested in.

If you are self-employed, click here.

If you are an employee, click here.

If you are a non-resident of Trinidad and Tobago, click here.

To open a UTC account, you will need:

1. Minimum of one form of valid identification — National ID card/driver’s permit/passport
2. Proof of address — Utility bill*/bank statement (no older than six months)
3. Proof of income — Job letter/pay slip (no older than one month)

*If the utility bill is not in your name, please provide a confirmation of residence letter from the owner, along with a copy of the owner’s ID (back and front). We will not accept any cellular/mobile or utility bills that did not require a direct installation at your place of residence.

Due to the new statutory and regulatory requirements with which all financial institutions in Trinidad and Tobago must comply, this facility is no longer available to new unitholders. However, existing unitholders residing overseas can open additional accounts once they provide the following documents, which must all be notarised by a notary public:

1. Completed application forms (downloadable here)
2. Legible copies of two valid forms of identification (National ID card/driver’s permit/passport)
3. A reference letter from your financial institution confirming your name and address, as well as the length of time you have been banking there

Payment can be made via bank draft or personal cheques made payable to Trinidad and Tobago Unit Trust Corporation.

No. A customer can only have one card associated with one USIF account.

No. The USIF debit card is linked only to the USIF account you identified when you applied for the card.

Using our automatic teller machines is easy and convenient. Find out more here.

To find out about the kinds of transactions your card can be used for, click here.

Yes. A full breakdown of charges is here.

Yes. To learn more about withdrawal limits and point of sale transactions, click here.

We have a very responsive Call Centre dedicated to card transactions. Find out more here.

You can view your most recent statement for each account via this feature.

Electronic statements are not currently eligible for submission in legal proceedings, application for financial services, or foreign visas. You can utilise the Request menu to request a specific statement that you can collect at an Investment Centre near you.

Customers who live abroad can have a statement of their balances forwarded to their address. They are required, however, to send a notarised letter and two valid forms of identification (National ID card/driver’s permit/passport) detailing their request.

From the U‐Mobile Safe menu, select the U‐Mobile Safe Registration option. Follow the instructions and submit your request, which takes one business day to process.

After that, log on to UTC U‐Online and select the U‐Mobile Safe Generation option. The passcode that is generated will be sent to your registered mobile phone via SMS. This option must be selected every time a new passcode has to be generated to complete your transaction.

This feature also works for international mobile phone numbers.

We answer most of your questions about your accounts here.

Everything you need to know about transferring funds though U-Online is here.

Details about registering for this service are here.

To find out more about your transactions and account balances, click here.

We have put all measures in place to ensure the highest levels of security and confidentiality. Find out more here.

If you need help navigating the U-Online feature, contact our friendly Customer Service Representatives (1-868-625‐UNIT, Options 1 to 4) daily, between the hours of 7:00 a.m. to 10:00 p.m., or send an email to callcentre@ttutc.com

If you are already using our U-Online service, you can contact our CSRs via the secure e‐mail feature.