• Can I send someone with a cheque to deposit for me?

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

• Can either party withdraw or deposit if the account is joint?

  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.

• What do I need to know about repurchases?

Repurchases require specific supporting documentation; find out more here.

• How do I send money from abroad?

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

• What do I need to know about the UTC Visa Electron debit card?

Everything you should know about using the card is here.

Open a New Investment Account

• Can I have more than one US Visa debit card associated with different US$ accounts?

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

• Can I access funds from accounts other than my primary account?

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

• What should I know about using UTC ATMs?

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

• What do I need to know about using my card at point of sale and beyond?

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

• Can you tell me about any fees associated with using my card?

Yes. A full breakdown of charges is here.

• Can you tell me more about card limits?

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

• What level of customer service is in place for card services?

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

For Active or Former eStatements Users

1. Do I need to register again for eStatements if I am currently an eStatements user?
   Once you are an active user, you will not have to register again. Simply log in to the eStatements platform with your existing UTCID and password.
2. How do I sign up for eStatements as a new user?
   Visit our website at https://estatements.ttutc.com/register, review/agree to Terms & Conditions and complete the online registration process.
   You will receive a confirmation email to verify your eStatements registration access and create a new password.
   Once the password is updated successfully, you can now proceed to log in.

For New eStatements Users

1. What is an eStatement?
   An eStatement (electronic statement) is a read-only pdf version of your traditional paper UTC statements with a sleek new design.It is available via the Uon platform as well as the eStatements platform.
   You can download, save and print your eStatements as required.
2. Do all Users have access to the eStatement portal?
   Yes, all users can have access to the eStatements portal in the following customer type categories:
   • Individual
   • Corporate
   • Employee Savings Plan
3. Can I register for the eStatement portal at an Investment Centre?
   The eStatements registration process is fully online and as such users are not required to visit an Investment Centre to sign up. If, however, you are having any challenges contact the UTC Contact Centre at callcentre@ttutc.com or 1-868-625-8648 Options 1 to 4, daily between 7:00 am and 10:00 pm.
4. Can I register for eStatements if I reside abroad?
   Yes, customers who reside outside of Trinidad and Tobago can register for our eStatements portal. Just visit our website at https://estatements.ttutc.com/register and complete the online registration process.

Login, Passwords and Security

1. What is a CIF?
   CIF stands for Customer Identification File, formerly known as your UTCID.
   Your CIF Number consists of 10 digits. It is, your previous 7-digit UTCID preceded by 3 zeros, for example, 0003334444.
2. Do I use my UTC ID or CIF Number to access the eStatements portal?
   • For Existing UTC Customer (before September 21, 2022) – UTC ID or CIF number is required
   • For New UTC Customer – CIF number is required
3. What are the requirements for choosing a password?
   Your Password must contain the following:
   One of the following special characters: (! @#$%^&*()-=_+).
   At least one lowercase letter.
   At least one uppercase letter.
   Alphanumeric.
   A minimum of 10 and maximum of 28 characters in length.
4. What if, after registering, I forgot my Password as an Individual Customer?
   You first click “Forgot My Password” on the Login page.
   Once selected, you will be directed to complete the following information:
   • Enter your UTC ID or CIF number
   • Enter your registered email address
   • Select one of your Security Questions
   • Submit your answer to your Security Questions
   Once updated correctly click on “Send” and you will be directed to the Change Password page to update your new password. After successfully updating your password, you will be able to log in.
   For additional assistance contact the UTC Contact Centre at callcentre@ttutc.com or 1-868-625-8648 Options 1 to 4, daily between 7:00 am and 10:00 pm.
5. What if, after registering, I forgot my Password as a Corporate or an Employee Savings Plan customer?
   You first click “Forgot My Password” on the Login page.
   Once selected, you will be directed to execute the following information:
   • Enter your UTC ID or CIF number
   • Enter your registered email address
   Once updated correctly click on “Send” and you will be directed to the Change Password page to update your new password. After successfully updating your password, you will be able to log in.
   For additional assistance contact the UTC Contact Centre at callcentre@ttutc.com or 1-868-625-8648 Options 1 to 4, daily between 7:00 am and 10:00 pm.

Accessing statements in eStatements

1. Can statements for all my UTC accounts be accessed on this platform?
   You will have full access to view, download and print eStatements for your individually and jointly owned accounts:
   • US Income Fund
   • TT Income Fund
   • Growth and Income Fund
   • Individual Retirement Unit Account
   • Children’s Investment Starter Plan
   • Student Investment Protection Plan
   • Pension Plus
   • Universal Retirement Fund
   Please note:In the case of joint accounts, you will only be able to access the joint accounts where you are identified as the account’s Primary Owner.
2. How will I know when my eStatement is available?
   A notification message will be sent to your registered email address, each time your eStatement is available on the platform.
3. Which statement periods are available via the eStatements Platform?
   Existing Users (Registered before June 2021) – Users will be able to view, download and print statement from the next statement cycle, after successfully registering.
   Existing and New Users (Registered from July 2021 onwards) – Users will be able to view, download and print statements from July 2021.
   Please note: All statements prior to our Go Live September 2022, will be available in the “Inactive Accounts” menu option on the eStatements portal.
4. Can I use my eStatement to apply for loans at a financial institution?
   Please enquire from your financial institution whether an electronic statement will be accepted.
   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.

• Why has UTC changed its online platform

  At UTC, we pride ourselves on providing excellent customer service. We’ve upgraded our U-online platform as part of our wider digital transformation, offering you more features and options to meet your investment needs. Fresh and engaging, Uon will provide you with enhanced digital tools to “Keep Uon Top of your Investments.”

• What are the features of this new online platform?

For your convenience, our new online platform allows you to:

1. Transfer TT$ funds from your local bank Account to your UTC Account.
2. Transfer TT$ funds from your UTC Account to any local bank Account or another customer’s bank Account.
3. Transfer funds without limits within your UTC Accounts (Self-Transfer).
4. Log into your Account using Two Factor Authentication, which offers enhanced The Mobitoken is no longer required.
5. View and save six (6) consecutive months of e-Statements starting from the month of its launch.
6. Upload signed documents (e.g., Application form and identification) and fully complete your Uon registration online easily and in the comfort of your home.
7. Apply for a debit card online with the option to mail it to your address or collection at an Investment Centre.

• Who should sign up for Uon?

Customers wishing to manage their investment accounts online and carry out frequent transactions will benefit from our Uon platform.

• Where do I sign up?

Visit our website at https://uon.ttutc.com to sign up and complete the self-registration process.

• Can I access Uon on any device and browser?

You can conveniently access Uon using https://uon.ttutc.com/?bank_id=UTC on the following devices and browsers*:

 *Note that the Internet Explorer browser is not supported.

• Are there fees for using Uon?

Signing up for and using the Uon platform is free of charge.

• Is it safe to use Uon to manage my account?

At UTC, we vigilantly safeguard our networks as the data security of our users is one of our greatest responsibilities. We have implemented a Two Factor Authentication System with rigorous safety protocols to ensure additional protection of your Funds.
It is also the customer’s responsibility not to disclose their User ID, passwords and security question answers to anyone.

For more FAQs on the Uon platform, visit the Uon page here: https://www.ttutc.com/uon