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New to Wealth Management? Int'l Personal Banking Int'l Premier Banking Int'l Corporate Banking Wealth Management Centres Int'l Mortgage What's new Apply Now     Internet/Telephone Banking	Wealth Management Products FirstCaribbean Current Account FirstCaribbean Call Account Personal Account Corporate Account Mortgages Credit Card

The FirstCaribbean Current Account and the FirstCaribbean Call Account are available to both Personal and Corporate customers.

FirstCaribbean Current Account

• Easy accessible funds
• Monthly statement
• Fixed monthly fee
• Chequebooks available to customers using the Payables Through service or those wishing to issue cheques locally
• Non-interest bearing

FirstCaribbean Call Account

• Easy accessible funds
• Interest-bearing (accrued on daily balance and paid quarterly)
• Monthly statement
• Monthly service fee
• Tiered interest rate available only in the Bahamas

Personal Account

Minimum Requirements

1. Minimum balance of USD15K or equivalent
2. Completed application form (obtained from an International Banking Centre)
3. Bankers’ reference (for each person named in the application)
4. Consent Form (provides authorization to the Bank to release information to governments, if requested)
5. Certified copies of passport or driver’s licence for each person named in the application. Certification can be done by a bank, consular or embassy official, local government official, attorney or notary public.
6. Original bank or credit card statement to confirm residential address (no more than three months old)

How to apply
Contact the International Banking Centre of your choice to obtain a Personal Account Opening Pack.

Corporate Account

Minimum Requirements

1. No account opening balance
2. Completed application form (obtained from an International Banking Centre)
3. Bankers’ reference (for each person named in the application)
4. Consent Form (provides authorization to the Bank to release information to governments, if requested)
5. Certified copies of passport or driver’s licence for each person named in the application. Certification can be done by a bank, consular or embassy official, local government official, attorney or notary public.
6. Original bank or credit card statement to confirm residential address (no more than three months old)
7. Appointment of Bankers / Mandate
8. Professional Reference (on the company and its Directors)
9. Original or certified copies of Company documentation, e.g.:
   a. Certificate of Incorporation
   b. Certificate of Good Standing
   c. Memorandum and Articles of Association
   d. Confirmation of Directors
   e. Evidence of Licensed Activity
   f. Register of Members

How to apply
Contact the International Banking Centre of your choice to obtain a Corporate Account Opening Pack.

Mortgages

The FirstCaribbean International Mortgage provides you with convenient and flexible finance at internationally competitive rates for the purchase of residential properties in The Bahamas, Barbados, The British Virgin Islands, the Cayman Islands and the Turks & Caicos Islands.

In addition to these islands, applications will now be considered to purchase properties in any Caribbean jurisdiction in which FirstCaribbean is represented (some restrictions may apply).

Features

1. The FirstCaribbean International Mortgage is available for up to 70% of the purchase price or the Bank’s valuation (whichever is lower) and up to 50% for ‘new build’ projects.
2. Properties must be residential and purchased for personal use. This does not prevent you from renting the property when you are not on island.
3. 15 year repayment term (longer terms may be considered)
4. Monthly repayments (quarterly for Libor linked accounts).
5. Arrangement fee of 1% of the agreed loan, charged upon acceptance.

Security Required

1. Security in the form of a first legal charge over the property
2. Full peril insurance on the property

Minimum Requirements

1. You must be the holder of a FirstCaribbean International Bank account in order to qualify for a FirstCaribbean International Mortgage
2. Completed application form.
3. Copies of three years’ tax returns or an accountant or financial advisor’s report
4. Last six months original bank statements
5. Professional Valuation of the property being purchased (to be completed by valuers approved by FirstCaribbean)
6. Copy of the signed purchase agreement

How to apply
Contact the International Banking Centre of your choice to obtain a Mortgage Application. If you are not a FirstCaribbean customer you will also require a Personal Application.

Credit Card

The FirstCaribbean Gold Visa Card gives you more spending power through increased limits and a generous daily withdrawal facility.

The FirstCaribbean Gold Visa Card must be cash secured.

You must be a FirstCaribbean International Bank account holder to qualify for a credit card.

How to Apply
If you are a FirstCaribbean International customer, contact your Relationship Manager to obtain a Gold Visa Card application form.

If you are not a FirstCaribbean International customer, contact the International Banking Centre of your choice to obtain Personal and Gold Visa Card application forms.