Individual Account Opening Requirements

1. Identification

Valid identification – (Electoral ID, Passport, Driver’s Licence)

a.       One (1) for deposit accounts – as outlined in the Account Opening Requirements

b.       Two (2) for non-resident persons – (one of which must be the passport)

2. Your proof of address

Proof of legal address (utility bill or banks statement in the customer’s name not more than 3 months)

3. Proof of Income

 Proof of income/ source of deposits, such as job letter (not more than 3 months) or pay-slip (not more than 1 month)

Where other forms are accepted, ensure an appropriate notation is included on document and approved by a Senior Officer.

Additional information:

For Non-Resident Accounts

In addition to items 1-3, you’ll be required to submit:

T&T Nationals residing outside of Trinidad and Tobago for an extended period are required to provide a Bank Reference (see requirements for Foreign Nationals) in our FAQs.

For Minors

In addition to items 1-3, you’ll be required to submit:

Where the parent is not listed on the identification card, the minor’s birth certificate is required.

Letter authorizing the opening of the account is required from non-parents from the parent along with the parent’s id card or Guardianship Order from Court

For Foreign Students

In addition to items 1-3, you’ll be required to submit:

– Letter of acceptance/ enrolment from the educational institution

– Letter from the donor and their proof of income submitted as evidence of funding for the account

Account Opening FAQs

What do Foreign Nationals need to open an account?

Original documentation is required. When original documents cannot be provided, copies should be certified by a T&T Embassy/Consulate Office or Bank as a true image of the original.


  • Valid Passport


  • For residents of T&T: Requirements as stated for T&T Nationals OR Letter of Appointment/Employment Contract stating local address
  • For residents outside of T&T: Foreign Utility Bill OR Foreign Bank Correspondence


  • Requirements as stated for T&T Nationals
  • For foreign nationals employed in T&T a Valid Work Permit OR CARICOM Single Market and Economy (CSME) Skills Certificate is also required

The letter must:

  • Be prepared on Bank letterhead, dated, signed and stamped/sealed by an authorised signatory; and
  • Confirm the existence of a banking relationship or past banking relationship (duration and/or opening date)

For further information telephone us at (868) 62-FIRST

What if I only have one piece of photo bearing ID?

Only one is required for nationals, two must be provided by a non-resident

I do not have a bill in my name, what do I do?

Where the above documents are not available in the customer’s name, the following may be accepted along with the utility bill as applicable:

  • SPOUSE – Marriage Certificate;
  • PARENT/ CHILD – Birth Certificate
  • LANDLORD/ TENANT – Lease agreement and rent receipt dated not older than 3 months
  • PROPERTY OWNER – (Bank’s Address Verification Letter) along with a copy of the attester’s identification in line with Proof of Identity requirements.
I am not permanently employed but would like to open an account, what do I do?


  • Pension Letter from the Government/Private institution outlining details and frequency of payments e.g. lump sum with monthly payments;


  • Letter from the contributor of funds (Financial Support Letter) stating frequency and amount of expected deposit with:
    1. A copy of the contributor’s identification and
    2. Job letter/payslip, or for self-employed persons, Certificate of Registration/Incorporation and recent bank statement (not older than 3 months) or 1 year’s financials (within last 3 years)

Unemployed & Students

  • Letter from ministry, contributor or donor of funds with a copy of the contributor’s identification and job letter or pay slips;
  • Evidence of loan financing where applicable;
  • Letter of enrolment with an educational institution where applicable.

The Bank reserves the right to request additional information/documentation if deemed necessary.

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