Account
The bank has been providing financial services to the blue collar worker for more than 30 years and considers it a cornerstone of its clientele. However, the bank has increasingly been expanding its services and has in the process attracted the attention of the more affluent. In short, the bank provides a wide array of financial services targeted to your individual needs.

Savings
If you're thinking it is time you started saving, you've come to the right bank. Our basic savings account pays 3.0% interest p.a. on your account, while our savings passbook pays the same interest but gives you the added advantage of a booklet in which your quarterly statements can be kept. Neither savings accounts charge administration fees and statements are mailed at the end of each quarter.

Current account
If you need to make payments, you will need a current account. Our current account is very flexible in that it allows deposits in various ways, transactions of various types, and all kinds of payments. A checking account may be an option provided that your salary is deposited directly onto the account. Daily or monthly itemized statements are mailed to you, or deposited in your statement box at the bank.
Cash deposits on savings, current, and checking accounts can also be made via our SuperKaha.

Debit/Credit Cards
The bank offers to its savings, current- and checking account holders its SuperCard free of charge. This Debit Card/ATM Card allows you all the conveniences that modern technology has to offer. From making various financial transactions at our SuperKaha's, to only cash withdrawals at CashNet affiliated ATMs, the SuperCard now also has the added benefit of Cirrus Maestro. Our latest addition to the SuperCard's capabilities is Cirrus Maestro, which allows the card holder access to its current account at any Cirrus, Maestro affiliated ATM or POS around the globe.

Nowadays the credit card is the preferred method of payment when traveling and is accepted at thousands of locations around the world. Also more and more individuals are adopting a cash-free life style and when necessary they pin at an ATM.
The Banco di Caribe Visa Classic or MasterCard offers all the advantages you've come to expect of a credit card, while the Visa Gold Card or the Gold MasterCard provides you with the added benefit of increased spending limits.

Personal Loan
The bank's core business is that of providing individuals like you with personal loans to make your life easier and better. The bank differentiates its loans in the following categories: Personal loans range from 6% - 12% depending on the purpose of the loan.
New car loan with a 6% interest.
Our personal loans must be repaid back in monthly installments ranging from 3 months up to 72 months. You can apply for your loan online or visit any of our offices during banking hours. An applicant must provide a valid i.d. or drivers license, latest pay slips, and bank statements in order to complete the application process.

Buying your first car is an exciting time. And a great way to buy cars is to research online and then compare prices locally. The bank offers a complete package through its new car loans, through which one can finance up to 100 % of the sticker price, and your car's first year of insurance.

Getting married and starting a new life together is even more exciting, and may require some financial assistance at first, be it in new furniture or a wedding celebration. Whether you're pondering on one of the above or are in the market for a big ticket item, a well deserved vacation, or a consolidation of your debts, we may be able to provide you with a personal loan.

Mortgages
If you're planning to get a jump on life by buying or building your own house, now is the time to do so. Don't miss the opportunity to finance your new house at low rates. At interest rates of 7.0% p.a. for your first house, and starting from 8.0% p.a. for each additional house, Banco di Caribe's annuity mortgage enables individuals like you to make your dreams come true. The concept of the annuity mortgage entails that in the beginning a large part of your monthly payment will go to the mortgage interest portion(tax deductible) and a smaller part to the mortgage repayment portion. At the end of the mortgage term, the opposite occurs.

Banco di Caribe finances the construction or purchase of your house for up to 100% of the cost, with assistance from the Fondo di Garantia pa Bibienda Korsou (Curacao) or Fondo Nacional di Garantia pa Vivienda (Aruba). Also the bank will provide you with assistance in insuring your new home. For more information send us an e-mail or call our Mortgage department and ask for our mortgage expert.
Documents needed at time of application may vary due to the nature and complexity of the application.
To finance the building of your home, you will need the following: valid i.d., letter of recommendation from your employer, last two pay slips, 2 last bank statements, building permit, approved building plans, and the cost break-down.

Insurance
Getting proper insurance coverage early on has its advantages, such as discounts and lower premiums. Our insurance department acts as a broker for many local and international insurance firms and will gladly assist you to get the coverage you need.

Besides the standard liability vehicle insurance we can help you select an insurance policy with a wider coverage, such as all risk vehicle insurance. With some insurance firms you will get special services such as road-side assistance.
Another trend that increases steadily is that of individuals getting personal liability insurance, which protects them from damage caused by their house pet and even themselves.
Last but not least. It not only makes financial sense to start a life insurance early on, but it also gives you the opportunity to increase your capital considerably. Since at a young age your monthly premiums are likely to be low, it is recommendable to grab this chance and select a life insurance policy that is right for you.

For more detailed information on how we can assist you in getting the coverage you want, contact us via e-mail or call on one on our insurance department.

Investment
Time deposits (certificates of deposits)
Our Time Deposit accounts are among those with the highest rates of return. The minimum deposit is Ang. 5.000, or its equivalent in Aruban guilders or US dollars, and has a fixed terms of 6 months, 1, 2, 3, and 5 years. For more information on the latest interest rates and availability, contact our Customer Information Center.

For the individual who wishes to diversify into investments other than time deposits, our investments department has over 30 years of experience in tailoring investment portfolios to each individual's needs, whether risk averse or risk taker. From US treasuries to mutual funds, US and/or European stocks, and high yield bonds, our investments advisors can help you in reaching your goals.

For more information, please e-mail us at info@bancodicaribe.com to the attention of Gerardo de Kort, or call us at telephone (599) 9 432-3130