U Online Internet Banking Frequently Asked Questions

Click on the "Register Now" link in the menu above.

This will allow you to complete our Online registration form.

Once all the requested information has been entered correctly, our Terms and conditions page is displayed.

This must be printed and dropped off at any of our nine (9) customer service centers, where you will need at least one (1) valid form of Identification.

You will be granted access immediately upon receipt of your form.

For additional assistance view the registration demo

Your UTCID is the seven (7) digit unique identification given to every unit holder by the Corporation. This is what you will use as your Login ID.

You can find it on your statement in the top left hand corner.

If you do not know your UTCID, please call us at 625-8648 (UNIT) or ask any of our friendly customer service representatives. We will be happy to provide it to you.

A computer connected to the internet, using either Internet Explorer 5.5 and higher or Mozilla Firefox. Your browser must be java enabled and have Adobe Flash Player installed.

Please go to our requirements page for complete instructions on how to prepare your computer.

U online is completely free of charge.

All registered users are able to:

1. View account balances
2. Print account history
3. Transfer money between Funds
4. Pay Utility Bills
5. Request a repurchase to be collected at the Customer Service Centre of your choice
6. Request a debit card to be collected at the Customer Service Centre of your choice
7. Request IVR access
8. Request an embassy statement to be collected at the Customer Service Centre of your choice
9. Request beneficiary details
10. Send secure e-mail.

You are able to view account information on any fund you currently have at the Unit Trust Corporation.

Yes, as soon as your new fund has been opened, you will be able to view the balance online.

Yes, you may use the account history feature, or mini statement feature to view your latest transactions and their locations.

U Online allows our customers to view history on their accounts from inception.

You may request a repurchase from a fund to be collected at the customer service center of your choice.

All repurchase requests made during working days by 12:00pm are available same day. Subsequent requests are available next working day.

All U.S denominated cheques must be collected at our Port-of-Spain Customer service Center.

Total value of Repurchases can be made up to TTD$50,000.00 or USD$10,000.00 either as a single transaction, or total value of daily repurchases.

You cannot request a repurchase from an account that you hold jointly.

You may only pay bills with your TTD denominated Income Funds.

You cannot pay a bill with an account that you hold jointly.

Please allow 5-7 BUSINESS days for your payee account to be credited.

You may transfer between any funds you have invested in. You may also set up a recurring transfer to automatically move money from one fund to another on a particular day.

You can perform a maximum of five (5) transfers daily.

Each transfer value must be no greater than 10,000.00 TTD

You may only transfer into an account that you hold jointly. You cannot transfer funds out of an account that you hold jointly.

Due to current limitations in the availability of foreign currency, all cross-currency transfers are subject to authorization by Online Services.

You will be notified once your transaction is successful by UTC Mail (your U-Online mail service).

All TTD to USD transfers are converted at 6.38TTD to 1.00USD.

All statement requests made during BUSINESS days by 12:00pm are available same day. Subsequent requests are available next BUSINESS day

You can perform a maximum of five (5) statement requests daily.

You cannot request a statement for an account you hold jointly.

You can only request a debit card if you do not currently have an active card.

You can only request a debit card for your USD or TTD denominated income Funds.

You cannot request a debit card on an account that you hold jointly.

You cannot request more than one TTD or USD card.

You can only request IVR access if you do not currently have access.

The Unit Trust Corporation has adopted strategies and technologies in line with the best in the industry to provide advanced security measures:

1. Secure log-in and user authentication;
2. Industry-standard 128-bit SSL encryption to protect confidential information in transit,
3. Secure firewalls to prevent compromise from the Internet;
4. Advanced security configuration of Internet servers to provide local as well as remote protection from break-in attempts
5. Redundancies and back-up Internet and information procedures in the event of any possible loss of service.

The current passwords requirements are eight (8) to fourteen (14) characters long and must contain at least one (1) numeric.

We also recommend you employ good password practice and ensure your password cannot be easily guessed, such as your birth date, name of family member or spouse.

If you suspect your password has been compromised, you should contact us immediately at 625-UNIT (option 4)

Click on the forgot password link on the Login Page.

You will be prompted to enter your UTC Id and your Secret question and answer.

Once the requested information has been entered correctly, a Customer service representative from Online Services will contact you on the mobile or home number you have provided with a confirmation number.

You go back to the account login page and click unlock account.

You will be prompted to enter your UTC ID, Secret Question and answer and the confirmation number.

Once the requested information has been entered correctly, you will be prompted to enter a new password.

You may then login with your new password.

**For additional assistance view the Forgot password demo

Click on the forgot password link.

You will be prompted to enter your UTC Id and your Secret question and answer.

Once the requested information has been entered correctly, A Customer service representative from Online Services will contact you on the mobile or home number you have provided with a confirmation number.

You go back to the account login page and click unlock account.

You will be prompted to enter your UTC ID, Secret Question and answer and the confirmation number.

Once the requested information has been entered correctly, you will be prompted to enter a new password.

You may then login with your new password.

**For additional assistance view the Forgot password demo

We will prompt you to change your password at least once every year.

However, we recommend that you change your password for security reasons every sixty (60) days.

If your password is not changed after it has expired you must follow the password reset procedure

If you suspect your password has been compromised, you should contact us immediately at 625-UNIT (option 4)

The Unit Trust Corporation will never ask for any personal information such as; passwords, PINS, or secret question answers via e-mail.

If you have been asked for this information, do not comply, instead contact us immediately at 625-UNIT (option 4)

All information gathered by the Unit Trust Corporation with respect to your online usage is kept in strictest confidence and will not be disclosed unless explicitly agreed to by the customer in writing where disclosure of that information is permitted by law.

You can contact our trained and friendly Customer Service Staff at 625-UNIT (option 4) or send an e-mail to uonline@ttutc.com

If you are already using our U Online service, you can contact our customer service representatives via the secure e-mail feature

Yes, while logged in, click on the ‘need assistance’ button located in the top left hand corner of your screen. This will provide helpful tips, hints and other information to assist you.

Yes, you can go to our demos that will take you through step by step instructions of our functionalities and features.