Once you are an active user (i.e. you have logged in to the U-Online platform at least once since June 1^st, 2021), you will not have to register again. Simply log in to Uon with your existing User ID and password.

• Visit our website at https://uon.ttutc.com/?bank_id=UTC and sign in with the same User ID and Login Password you used for U-Online. If you do not remember your Login Password, you can select the Forgot password option. If you are still unable to log in, kindly contact the UTC Contact Centre for additional assistance at callcentre@ttutc.com or 1-868-625-8648 Options 1 to 4, daily between 7:00 am and 10:00 pm.
• To activate our enhanced security features, you will be prompted to change your Login Password and set up your secret security questions and answers.
• Upon completing these steps, you will receive a One Time Password (OTP – 4digit code) via the email and SMS registered on our records.
• After entering the OTP on the Uon website, you will have successfully completed the login process and can now enjoy access to the upgraded Uon platform!

If you have not logged into U-Online since June 1^st, 2021, your account would not have been automatically migrated to the upgraded Uon system. Therefore, you will be required to do the Self-Registration process as a new user to gain access to Uon.

1. Visit our website at https://uon.ttutc.com/?bank_id=UTC and complete the online self-registration process.
2. Upon submission of your online registration form and documents, your request will be processed within 48 hours.
3. You will receive an email confirming whether your application was approved or not approved. Once you have been approved, you can now proceed to log in.

The Self-Registration process is now fully online and as such users are no longer required to visit Investment Centres to sign up. If however, you are having any challenges contact the UTC Contact Centre at callcentre@ttutc.com or 1-868-625-8648 Options 1 to 4, daily between 7:00 am and 10:00 pm.

Yes, customers who reside outside of Trinidad and Tobago can apply for Uon online services. Just visit our website at https://uon.ttutc.com/?bank_id=UTC and complete the fully online self-registration process. All applications will be processed within 48 hours.

CIF stands for Customer Identification File, formerly known as your UTCID. It is used to identify your unique UTC investment profile, which houses your personal data and account details.

Your CIF Number consists of 10 digits. That is, your previous 7-digit UTCID preceded by 3 zeros, for example, 0003334444.

No, you can change your User ID using the “My Profile” menu after your initial successful login.

Your Login Password must:

• Contain one of the following special characters: $#^@&%!().
• Not contain spaces.
• Contain 10-28 characters.
• Have at least one alphabetic and one numeric character.
• Not be the 12 previously used passwords.

You can click “Forgot My Password” on the Login page to receive a One Time Password via sms and email. Once received and entered you will be directed to answer your 3 Security Questions. Once answered correctly, you will be directed to the Change Password page to update your new password. For additional assistance check out our “Forgot Your Password” video on the Uon website https://www.ttutc.com/uon/demos/ or contact the UTC Contact Centre at callcentre@ttutc.com or 1-868-625-8648 Options 1 to 4, daily between 7:00 am and 10:00 pm.

Temporary passwords are valid for 24 hours from the time of issue/request.

Kindly check your junk folder for your email Alert. If Alert is not received, you can change your email address using the Update Email Address service request via Uon.

You can update any or all of your Security Questions by selecting Settings, found in the My Profile option. The individual Security Questions can be selected, and your questions and answers can be updated.

No, the Mobitoken is no longer required. We have implemented a Two Factor Authentication System for enhanced security when accessing the Uon portal.

Select the account you are transferring funds into first.

You will have full access to manage the following individually owned and jointly owned accounts with the option “any one to sign” online when you login into Uon:

• US Income Fund (Individual and Joint)
• TT Income Fund (Individual and Joint)
• Growth and Income Fund (Individual and Joint)
• Individual Retirement Unit Account (Individual)
• Children’s Investment Starter Plan (Individual)

For jointly owned Accounts with the option of “two or more to sign”, at this time, you can only transfer funds into these accounts in Uon.

You can only view the following Accounts. Therefore, you will not be able to transfer funds into or out of these Accounts in Uon:

• Student Investment Protection Plan
• Pension Plus
• Universal Retirement Fund

At this time, only joint accounts with the option “anyone to sign” can initiate transfers into and out of their accounts.

For all other joint account options, only transfers into can be initiated.

Yes, you can. However, your transfer will take up to 2 business days to be reflected in your account.

Yes, you can now transfer funds from your TT-denominated UTC Account to a local bank via ACH (Automatic Clearing House).

On our Uon platform, you can add your or another person’s local bank account details by selecting the “Contacts” option to “Add – Other bank”. Once the Contact is added, you can now transfer funds from your TT-denominated UTC account to that local bank account.

1. There are no limits for Self-Transfers within UTC.
2. The limit for 3rd Party transfers within UTC is TT$50,000 or US equivalent.
3. The limit on incoming ACH transfers (from a local bank account to a TT-denominated UTC Account) is TT$499,999.99. These funds will be credited to your Account within 2 business days of receipt from the bank.
4. The limit on outgoing ACH transfers (from a TT-denominated UTC Account to your local bank account or third-party bank Account) is TT$40,000.

Your Accounts are categorized: Short, Medium to Long-Term and Long-Term Investments.

On your home page, you will see the total sum of balances for each category and the option to see all your Accounts individually.

Yes, you can transfer funds between any of your UTC accounts.

At this time, only joint accounts with the option “anyone to sign” can initiate transfers into and out of their accounts.

For all other joint account options, only transfers into can be initiated.

Red tags mean that the Account is flagged as your defaulted primary account, while Yellow tags mean that the Account is a Joint Account.

This service is currently unavailable at this time.

This service is currently unavailable at this time.

A Contact refers to the Account details of a third-party UTC account (Within UTC Contact). This is used to process third-party transfers within UTC.

A Payee refers to the Account details for a personal or third-party bank Account (Other Bank Contact). This is used to process ACH transactions from UTC to the local bank and vice versa.

To add your Within UTC Contact, the following is required:

• The first and last name of the Contact being added (example John Doe)
• The Account Number or Investment ID of the Contact being added (example 0003334444002)

Yes, for each Account, you can view a history of your transactions processed as at our Go Live date – September 2022.

Go to the “All Investments” Tab and select “Account Card and Transaction History” to view your list of transaction details.

Additionally, on the Uon dashboard, the ten most recent transactions processed on your defaulted primary account is displayed under Recent transactions.

You will only be able to see monthly eStatements from September 2022. Should you need copies of previous statements, you can request them through the UTC Contact Centre, or Investment Centre or sign up for our eStatements platform https://estatements.ttutc.com/ to view your historical statements.

No, you can enter any address to have your debit card mailed to you.

For Fixed NAV funds, as the name suggests, the NAV (Price) to purchase a unit remains constant. For Floating NAV funds, the value (Price) of a unit change daily, based on the performance of the pool of securities. Essentially, the value of a unit on the subscription (purchase) date can differ from the value of the unit on the redemption (repurchase) date.

Fixed NAV (Individually and Jointly owned):

• TT Income Fund
• US Income Fund

Floating NAV:

• Growth and Income Fund (Individually and Jointly owned)
• Individual Retirement Unit Account (Individually owned)
• Children Investment Starter Plan (Individually owned)
• Student Investment Protection Plan (Individually owned)
• Pension Plus (Individually owned)
• Universal Retirement Fund (Individually owned)

Due to the change in the valuation of units for the Floating Nav funds, changes to your Account balances will be reflected within 1 – 5 business days, depending on the type of transaction

Yes, you can initiate transactions at any time on Uon.

The following Fixed NAV Account types of transactions will be processed on the same day:

• US Income Fund to US Income Fund
• TT Income Fund to TT Income Fund

The following types of transactions will be processed in one day if initiated before the cut-off time or two days if initiated after the cut-off time:

• Fixed NAV Account to Floating NAV Account
• Floating NAV Account to Fixed NAV Account
• Fixed NAV Account (US Income Fund) to Fixed NAV Account (TT Income Fund)