Overdrafts
We offer support for those moments when you don’t have the full amount to cover your short-term costs. This is available to both individual and business customers.
We agree to a pre-approved credit limit that our customers can access, without any unnecessary red tape, when they need it most.
The amount borrowed and the length of time will depend on our customers’ needs and situation.
Requirements
Individuals
- ANSA Bank Know Your Customer Form
- One valid form of Photo ID (Passport, National ID)
- Proof of address
- Proof of income – must be verified by a phone contact from an independent source (yellow pages)
- Job letter (Verified by telephone with employer)
- Salary slip (in the last 2 months)
- If retired: NIS Slip, Pension Statement or Bank statement validating pension
- Bank account statements for the last 3 months
- Declaration of Source of Funds (for deposits over TT$50,000)
- If self-employed: Income Declaration Form
For Sole Traders / Self-Employed Individuals
- One valid form of Photo ID (Passport, National ID)
- Proof of address
- Certificate of Registration
- Professional license (if applicable)
- Regulated Professions require certificate to practice, Doctors, Accountants, Lawyers
- Proof of Earnings – Business bank account statements for 6 months Financials or management accounts for the last 3 years
- Declaration of Source of Funds (for deposits over TT$50,000)
Limited Liability Companies
- ANSA Bank Know Your Customer Form
- One valid form of Photo ID (Passport, National ID) from each:
- * Beneficial owner with more than 10% shareholding interest
- * Director
- * Account Signatory
- * Corporate Secretary
- Certificate & Articles of Incorporation
- Certificate & Articles of Continuance (If incorporated before 1996)
- Articles of Association (If incorporated before 1996)
- By-Laws (if incorporated after 1995)
- Annual Return within the last 12 months
- Return of Beneficial ownership (Form 45)
- Financials or Management Accounts for the last 3 years
- Corporate/Board Resolution
- Declaration of Source of Funds for deposits over TT$50,000
The following listed businesses also require registration certification by FIU
- Co-operative & Building Societies
- Non-Profit Organisations
- Real Estate
- Money or Value Transfer Services
- National Lotteries/On-line betting
- Art Dealers
- Motor Vehicle Sales
- Jewellery
- Gaming Houses/Pool Betting
- Private Members’ Club
- Professional Providers – Attorneys, Accountants
- Trusts & Company Service Provider
- Foreign Entities would also require:
- Certified copies of documents listed above
- Banker’s reference
- FATCA W-8BEN /W-9 Form (For US Persons)
Partnerships
- ANSA Bank Know Your Customer Form
- One valid form of Photo ID (Passport, National ID) from each partner
- Proof of address from each partner
- Utility bill not older than 3 months (Cellular bills not accepted)
- Bank statement from another financial institution
- Address via register of electors
- Where no utility bill is available, provide the following:
- * Copy of lease agreement or a letter from landlord and rent receipt
- * Letter from a public authority
- * Tax assessment
- * Authorization letter signed by spouse or parent with their ID.
- Certificate of Registration
- Partnership Deed/Agreement
- Proof of Earnings
- * Business bank account statements for 6 months
- * Financials or management accounts for the last 3 years
- Declaration of Source of Funds (for deposits over TT$50,000)
- Foreign Nationals
- * Employed in Trinidad must provide a valid work permit/CSME certificate/residency certificate.
- A banker’s reference is needed if customer has no local financial history
- FATCA W-8BEN/W-9 Form (For US Persons)
