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Savings Accounts

At First Citizens we have several savings products that are designed for the convenience of the various groups in the market.


First Citizens Savings

We provide a simple plan for persons wishing to save regularly to achieve personal goals. This account will facilitate salary deposits, loan payments and standing order deductions.


  • Minimum opening balance of BBD$300.00
  • Free ATM/Debit card available
  • "No wait" deposit facility available
  • Interest is calculated daily and paid quarterly in March, June, September and December.
  • A minimum balance fee is charged on balances below BBD$300.00


First Citizens 50+

Are you aged 50-years-old or over? Then the First Citizens 50+ plan is for you. This account is for senior persons but the "Withholding Tax" exemption applies from age 60 and over.

Account holders are exempt from most fees and charges...and will qualify for other special services offered by the Bank.

Account Features

  • Minimum opening balance of BBD$5000
  • Interest calculated on balance daily and paid quarterly in March, June, September and December
  • No Withholding Tax (from age 60)
  • "No wait" deposit facility available
  • Standing order initial set up waived
  • Local and Foreign Drafts - 50% of existing bank charge plus stamp duty
  • Foreign Cheques Purchase - 50% of existing bank charge plus stamp duty



First Citizens Smart Start

This "first" savings plan provides parents, grandparents and guardians with a facility to create a foundation for savings for their children. 

  • Start the plan with BBD$50.00
  • Minimum balance fee of BBD$1.00 on balances below BBD$50.00
  • Interest calculated daily and paid quarterly in March, June, September and December.
  • "No wait" deposit facility available


First Citizens Supersaver

If you require a disciplined approach to saving, First Citizens SuperSaver offers high interest rates with a minimum initial deposit of just BBD$1,000 and minimum monthly payments of just BBD$250.


Supersaver Offers:

  • A simple approach to help you achieve long-term financial goals
  • Higher interest rates than our First Citizens Savings account
  • Compounded monthly interest
  • A risk-free investment


Supersaver Features:




Currency offered






Minimum amt. of initial deposit



Maximum amt. of initial deposit



Minimum monthly committment



Maximum monthly committment



Statements mailed



Certain restrictions apply. Fees and rates are subject to change without notice.

  • First Citizens Fifty Plus
  • Personal Lending
  • First Citizens Smart Start
  • Visa Classic and Gold
  • Merchant services
  • Mastercard