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                            Quick Tips

                            Below are Five important tips to ensure that your Online Banking experience is optimised by protecting your PC from fraudulent attempts. Read on to find out more.

                            • Ensure that you install the latest security patches and updates to correct weaknesses in your system – it only takes one point of entry for hacking to occur
                            • Install the latest Ant-Virus software to safeguard against viruses, in addition to regular virus sweeps of your system
                            • Protect your system and its contents, by utilizing a personal firewall which minimizes outside attacks by unauthorized traffic.
                            • Choose a password which no one else can think of, but is easy to remember. By using letters, numbers and symbols this reduces the likelihood that your password can be guessed.
                            • Run anti-spyware programs regularly to prohibit the acquisition of personal information, for example, passwords, telephone numbers, credit card numbers and identification card numbers

                            Carrying out these simple steps can offer you some protection against the electronic threats out there. The likelihood of becoming susceptible to these threats is still there, as these measures are designed to minimize these threats.

                            SMS Banking Commands

                            First Citizens SMS Banking allows you to use your cell phone to access eligible accounts using SMS:

                            • Check your account balances (for eligible accounts)
                            • View a list of your most recent account activity
                            • Transfer funds between eligible accounts

                            To use First Citizens SMS Banking you need the following:

                            • To be registered for First Citizens Online Banking
                            • To have a verified mobile device
                            • To have a mobile device that supports SMS or Text Messaging

                            What are Commands and how do I use them?

                            Commands are the SMS you send from your mobile device to First Citizens to request your account information or transfer money between your eligible accounts. After you have verified your mobile phone number, send a SMS to the First Citizens Mobile Text short code 34778 (FIRST) using one of the commands.Each of these quick codes will request an SMS with the information shown below :

                            CommandWhat it does
                            BALRetrieve balance for default account
                            BAL <Insert Nickname>
                            For Example: BAL Sav1
                            Retrieve balance on a registered account using account nickname
                            BAL ALLRetrieve balance for all registered account
                            HISTRetrieve list of the 10 most recent transactions posted on default registered account
                            HIST <Insert Nickname>
                            For Example: HIST Sav1
                            Retrieve list of the 10 most recent transactions posted on a registered account using a nickname
                            HIST d, from <date> to <date>
                            For Example: HIST d, from 04-05-2020 to 06-05-2020
                            Retrieve list of posted transactions on default registered account with date range specified, (maximum of 10 transactions)
                            HIST <nickname> d, from <date> to <date>
                            For Example: HIST Sav1 d, from 04-05-2020 to 06-05-2020
                            Retrieve list of posted transactions on a registered account using account nickname, within the date range specified,(maximum of 10 transactions)
                            HIST c,
                            from <low cheque number > to <high cheque number>
                            For Example: Hist c, from 200 to 205
                            Retrieve list of posted cheques on your default registered account, within the cheque range number range specified
                            HIST <nickname> c, from <low cheque number > to <high cheque number>
                            For Example: Hist Chq1 c, from 200 to 205
                            Retrieve list of the posted cheques on your registered account, with a nickname, within the cheque number range specified
                            RTRARetrieve list of the 3 most recent posted transfers from your default registered account
                            RTRA <nickname>
                            For Example: RTRA sav1
                            Retrieve a list of the 3 most recent posted transfers from your registered account with a nickname
                            RTRA ALLRetrieve a list of the 3 most recent posted transfers from all your registered accounts
                            TRAN <nickname1> <nickname2> Amount
                            For Example: tran ck1 ck2 100
                            Transfer amount between accounts using nicknames
                            TRAN <nickname1> <Amount>
                            For Example: tran ck2 500
                            Transfer amount from the default registered account to the specified registered account using the nickname
                            TRAN <nickname1> <Amount> <Date>
                            For Example: tran ck2 500 04-10-2020
                            Transfer amount from the default registered account to the specified registered account with the nickname, for a scheduled future date.
                            TRAN <nickname1> <nickname2> <Amount> <Date>
                            For Example: tran sav1 ck1 500 04-10-2020
                            Transfer stated amount from a registered specified nicknamed account to a second registered nicknamed account, for a scheduled future date.
                            HELP BALRetrieve information on the format of the balance commands
                            HELP TRANRetrieve information on the format of the Transfer commands
                            HELP RTRARetrieve information on the format of the Recent Transfers commands
                            HELP HISTRetrieve information on the format of the Account History commands
                             HELPRetrieve information on the format of the Help command
                             STOPUnsubscribe your mobile device from receiving First Citizens SMS Alert messages

                            Sending Commands:

                            Using SMS Banking is as simple as sending a short command via SMS to the First Citizens shortcode 34778 (FIRST).

                            • Type “Bal Sav1” as a SMS. The format to be used is Bal (space) account_nickname
                            • Send to shortcode 34778 (FIRST) 
                            • You will receive a SMS which will state the available balance on the account you nicknamed as Sav1.

                            When you send First Citizens a SMS, make sure you send it to the First Citizens SMS Banking short code 34778 (FIRST). You may be able to store this number in your mobile contacts or address book just like a regular phone number.

                            Fixed Income Fund

                            Fund Name Unit Price Pay Out Rate
                            The Abercrombie Fund TTD $20.00 1.20%
                            As of March 28, 2023
                            The Paria Fund USD $10.00 0.90%
                            As of March 28, 2023
                            The El Tucuche Fund TTD $12.02 N/A
                            As of March 28, 2023

                            Income & Growth Fund

                            Fund Name Unit Price Pay Out Rate
                            The Imortelle Fund TTD $14.57 N/A
                            As of March 28, 2023
                            Item Buying Cash Buying Selling
                            USD 6.1500 6.6059 6.7793
                            CAD 4.9056 4.6603 5.0564
                            GBP 8.2163 7.8055 8.4769
                            YEN ****** 0.0500 0.0538
                            EUR 7.2333 6.8716 7.4557
                            ECD 2.4209 2.2272 2.4076
                            BBD 3.3112 ****** 2.8706

                            These rates are indicative only and are subject to change without notice. Rates update Mon-Fri at 9:00 a.m. (Except for Public Holidays)