Career Builder

Career Builder was developed to address the dynamic needs of young adults and assist in planning their futures. The account is therefore separated into the following categories:

Full-Time Student
Preferential interest rates and discounts at merchants nationwide are only two of many benefits available to full-time students enrolled in a course/programme.

Part-Time Student
Part-Time Student Accounts handles all student needs which include preferential interest rates, RepublicOnline, RepublicMobile App and RepublicMobile SMS access and a Student Guide on studying for exams and preparing a CV.

Young Working Adult
Accounts for Young Working Adults include many features and benefits tailored for persons in the working world such as attractive interest rates, free discount card and free financial counselling.

Here are the features of your Full-Time Student and Part-Time Student account:
A savings account
A preferential interest rate on the account
Interest applied on a tiered basis and paid quarterly
Auto transfers on the account
Monthly Service Charge

Here are the features of your Young Working Adult account:
A savings/chequing account
An attractive interest rate on the account
Interest is paid quarterly
Auto transfers on the account
Monthly service charge

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Monthly Maintenance Fee of $12.01

For young working adult: 0.20% on balances of $500 or more

For students: tiered interest rates of :

Amount	Interest Rate
$500 - $99,999.99	0.20%
$100,000 - $249,999.99	0.25%
$250,000 and over	0.40%

What you will need

Before visiting our branches, ensure you have the following documents:

Identification Requirements if you are:

• Full Time Student and Part Time Student
• Young Working Adult
• Non-Resident or Foreign Based National

One (1) form of Identification which clearly states your nationality (e.g. National Identification Card or Passport).

Kindly note the following:

• Where a Drivers License has been presented which does not explicitly state your nationality, you would be required to provide another form of Identification such as your National ID, Passport or any other document that validates your nationality, for instance your Birth Certificate
• If you have dual nationality, you are to provide one (1) form of Identification stating the nationality relating to each country of which you are a national.

Full-Time Student and Part-Time Student Career Builder account
Be enrolled in a course/programme that runs for more than one (1) year.
Letter of acceptance from the school.
Deposit a minimum of TT$100.00.
Present a recent utility bill/ Authorization Letter if Bill is not in your name

Young Working Adult Career Builder account
Letter of acceptance from the school.
Deposit a minimum of TT$100.00.
Present a recent utility bill/ Authorization Letter if Bill is not in your name.
Job Letter
Pay slip
Reference letter (in some cases)

For Non-Residents or Foreign Based Nationals
Utility Bill in the customer’s name valid for three (3) months (Telephone, Electricity, Water, Cable/Internet)
N.B. Where the utility bill is not in the customer’s name, the customer can submit the lease agreement, where available, or a letter from the landlord addressed to the Bank.
Proof of income:

1. Salaried individuals - Job Letter and a recent payslip dated within the last three (3) months
2. Self-Employed individuals will be required to submit further financials;
   • Up-to-date Audited Financial Statements (for the last three (3) years) OR
   • Management Accounts (for the last three(3) years) OR
   • Statement of Affairs and Statement of Income & Expenditure (these are available at the Sales Department upon request)
   • For a start-up entity*: An opening Balance Sheet & Cash Flow projections

Reference letter from the customer’s bankers abroad (not required where a non-national has proof of legal status and has been residing in Trinidad and Tobago for over five (5) years)
Where applicable, Work Permit/ CSME Certificate/ Other official document granting permission for employment/ Letter of enrollment/acceptance from Institution in Trinidad & Tobago (for Students only)

*Start-up entity refers to entities which have been in operation for less than three (3) years.