| How do the new products fit with the old ones?
FirstCaribbean has taken the opportunity to simplify the products that we offer our customers. Our new products were created by combining the best of the main features from the products that were offered by Barclays Bank and CIBC. However, customers should not notice any major differences to their accounts.
On the conversion weekend, all chequing and savings accounts will automatically be transferred to a similar FirstCaribbean product.
Q. I would like info on opening a Chequing / Savings Account.
Opening a Chequing / Savings Account is easy. Visit any FirstCaribbean branch and talk with any of our Personal Bankers.
- Open an account with a low opening balance.
- Bring at least two forms of valid identification (e.g. a driver’s licence and passport). One should be photo identification with the other as confirmation of identity.
Q. How do I wire funds to my account from overseas? (eg. Wiring money from New York to St. Vincent)
You will need to provide the following information to your overseas bank:
- Name of our bank, its address, the SWIFT code and the account number to which the funds are to be sent.
- The SWIFT code for each country can be found on the ‘Where We Are’ section of our website within the main address of each country.
Q. How do I apply for a mortgage?
Applying for a FirstCaribbean Mortgage is easy - contact one of our Personal Bankers and arrange a meeting to discuss your banking needs. Or you may complete the application form attached to our product brochure and then set up a meeting with a Personal Banker to discuss in more detail. You will need to provide the following information:
- Accepted Sale Agreement or Construction Contract.
- Approved plans
- Quantity Surveyors Report/Valuation
- Letter from Employer stating your position and your income and length of service
- The amount and source of your downpayment/injection
If self-employed, supply financial statements for previous three years or evidence of income.
Q. How do I apply for a loan and what information do I need to provide?
Applying for a FirstCaribbean loan is easy - contact one of our Personal Bankers and arrange a meeting to discuss your banking needs. Or you may complete the application form attached to our product brochure and then set up a meeting with a Personal Banker to discuss your needs in more detail.
The information we require will depend on the purpose of the loan. In order for us to assess your banking requirements we will typically need you to provide us with:
- All Loans Cars Land House Repairs Medical Expenses
- Current job letter Independent Valuation Independent Valuation Builder’s estimate of repairs Invoice/pro forma invoice from Doctor or Hospital
- Most recent pay slip Invoice/Open Bill Agreement for Sale Valuation (depending on amount)
- Recent bank statements/bank reference Security Security Security Security
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