Uon with U in Mind

We’re upgrading our Uon platform from version 6.4 to 11.1. This promises to offer a totally different experience for ourselves and the unitholder!

Our current Uon system is outdated and does not cater to the expansion of online services. The platform will have a new look and feel, and additional services will be offered.

Upon completion of this upgrade, our current Uon users will be migrated to the new platform where they, along with future users, can enjoy the benefits of:

Platform accessibility and convenience on all devices (mobile, tablet, laptop, desktop)

Interbank transactions (locally)

Fund to Fund transfers

Ability to request services online

8 THINGS TO KNOW ABOUT THE UPGRADE

Full Uon Registration

No need to visit an IC – Customers will be able to fully complete their registration on Uon and upload signed documents with ease at the comfort of their homes.

Update Contact Information Online

Existing customers can update their contact details at their convenience, such as email addresses and mobile contacts without having to visit an IC.

Quicker Data Access

Our UTC Administrator will be able to access customer documents with ease, in a timely manner and from one central location.

Real Time Access & Cost Savings

Customers will have online access to view and print their statements for 6 distribution periods, at any given time, reducing in-house overhead costs for printing statements.

Enhanced Security

Implementation of a Two Factor Authentication at log in. This will prevent unauthorized users access to a customer’s account.

Faster Transactions

Online convenience will mean saving time and reducing customer in-house traffic.

Outgoing Third Party ACH

Customers will now have the ability to transfer funds to their bank accounts AND transfer to another person’s account (third party) in another financial institution.

Increased Limit To Transfer Funds

Up to $499,999.99 in funds can be transferred from a customer’s bank account to their UTC account and there are no limits on the amount transferred from one UTC account to another.

Uon Frequently Asked Questions

About the new Uon online platform

Why has UTC changed its online platform?

At UTC, we pride ourselves on providing excellent customer service. We’ve upgraded our U-online platform as part of our wider digital transformation, offering you more features and options to meet your investment needs. Fresh and engaging, Uon will provide you with enhanced digital tools to “Keep Uon Top of your Investments.”

What are the features of this new online platform?

For your convenience, our new online platform allows you to:

Transfer TT$ funds from your local bank Account to your UTC Account.
Transfer TT$ funds from your UTC Account to any local bank Account or another customer’s bank Account.
Transfer funds without limits within your UTC Accounts (Self-Transfer).
Log into your Account using Two Factor Authentication, which offers enhanced security. The Mobitoken is no longer required.
View and save six (6) consecutive months of e-Statements starting from the month of its launch.
Upload signed documents (e.g., Application form and identification) and fully complete your Uon registration online easily and in the comfort of your home.
Apply for a debit card online with the option to mail it to your address or collection at an Investment Centre.

Who should sign up for Uon?

Customers wishing to manage their investment accounts online and carry out frequent transactions will benefit from our Uon platform.

Where do I sign up?

Visit our website at https://uon.ttutc.com/?bank_id=UTC to sign up and complete the self-registration process.

Can I access Uon on any device and browser?

You can conveniently access Uon using https://uon.ttutc.com/?bank_id=UTC on the following devices and browsers*:

Device	Manufacture	OS Name	OS Version	Browser Name & Version
Desktops & Laptops	Lenovo, HP, Dell, Asus	Microsoft Windows	7 & Up	Google Chrome, Mozilla Firefox, Microsoft Edge
	Apple	Mac OS X	10.10 to 10.15	Safari
Tablet	Apple	Apple iOS	10.3 & Up	Safari
	Samsung	Google Android	5.x & Up	Google Chrome

*Note that the Internet Explorer browser is not supported.

Are there fees for using Uon?

Signing up for and using the Uon platform is free of charge.

Is it safe to use Uon to manage my account?

At UTC, we vigilantly safeguard our networks as the data security of our users is one of our greatest responsibilities. We have implemented a Two Factor Authentication System with rigorous safety protocols to ensure additional protection of your Funds.

It is also the customer’s responsibility not to disclose their User ID, passwords and security question answers to anyone.

Former U-Online users

Do I need to register again for Uon if I am currently a U-Online user?

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

How do I sign in to Uon as an active U-Online user?

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, please contact the UTC Contact Centre immediately for assistance at C3@ttutc.com or 625-8648 Options 1 to 4, daily between 7:00 am and 7:00 pm.
To activate our enhanced security features, you will be prompted to change your Login Password and Transaction Password and set up your secret security questions and answers. Note that your Login Password and Transaction Password cannot be the same and that you will need to enter your Transaction Password to complete any transactions (Self Transfer, Third Party Transfer, etc.) when using the Uon platform.
Upon completing these steps, you will receive a One Time Password (OTP) via email/SMS.
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!

. I was previously registered for U-Online. Why am I unable to log into the upgraded system?

If you have not logged into U-Online since June 1st , 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.

New Uon Users

How do I sign up for Uon as a new user?

Visit our website at https://uon.ttutc.com/?bank_id=UTC and complete the online self-registration process.
Upon submission of your online registration form and documents, your request will be processed within 48 hours.
A Contact Centre Agent will contact you to confirm that you have been approved and can proceed to log in.

Can I sign up for Uon at an Investment Centre?

Yes, visit any of our Investment Centres, where a UTC Representative will be happy to help you

Can I sign up if I reside abroad?

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 online self-registration process. All uploaded documents will be processed and approved within 48 hours.

Logins, passwords and security

What is a CIF?

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.

What is my CIF Number?

Your CIF Number consists of 10 digits. That is, your previous 7-digit UTCID preceded by 3 zeros, example: 000-3333444

Does my User ID have to be my old UTCID or CIF Number?

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

What are the requirements for choosing a password?

Both Login and Transaction Passwords must be between 10-28 characters long and must include one special character. Special characters can be: #$%&*@+. Please note that your Login Password and Transaction Password cannot be the same.

What is the difference between my Login Password and my Transaction Password?

For increased security, your Uon account requires both a Login Password, which you will use when you log in to your account, and a Transaction Password, which you will enter as a verification step when performing transactions in Uon. Please note that your Login Password and Transaction Password cannot be the same.

Will I be able to see the Transaction Password on my screen when it is being entered?

Users of the Microsoft Edge browser can view the Transaction Password while it is being entered. This functionality is currently not available when using the Google Chrome browser.

What if, after signing up, I forget my Login/Transaction Password?

You can click “Forgot My Password” on the Login page if you have forgotten your Login/Transaction Password to receive a temporary password via email. For immediate assistance, contact the UTC Contact Centre at C3@ttutc.com or 625- 8648 Options 1 to 4, daily between 7:00 am and 7:00 pm or check out our “Forgot Your Password” video on the Uon website.

When I request a temporary password, how long is it valid?

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

Why am I not receiving my One Time Passwords via email?

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.

How do I update my Security Questions?

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.

How do I update my Transaction Password?

You can update your Transaction Password by selecting Settings, found in the My Profile option. Enter your old Transaction Password, and update and confirm your new password. If you are unable to recall your current Transaction Password, contact the UTC Contact Centre at 624-8648 for further assistance.

Is the Mobitoken still required?

No, the Mobitoken is no longer required. We have implemented a Two Factor Authentication System for enhanced security when accessing the Uon portal. Alerts are sent via email and SMS advising of any completed transaction.

What numbers should I expect to receive my SMS transaction alert from?

All UTC operator numbers end in 882, which stands for UTC.

Transferring funds in Uon

Can I transfer funds between my UTC Accounts?

Yes, you can transfer funds between any of your UTC accounts, except for Joint Accounts (see below).

When doing a self-transfer within UTC, which account do I select first?

Select the account you are transferring funds to first.

Can I transfer funds out of my Joint Accounts in Uon?

No, at this time, funds can only be transferred into Joint Accounts.

Can I transfer funds from my USIF Account to another Account within UTC?

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

. Can I transfer from my UTC Account to another financial institution?

Yes, you can now transfer funds from your UTC Account to another local bank or financial institution via ACH.

How do I set up an ACH transfer?

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

Is there a limit on how much can be transferred?

There are no limits to transferring funds from one UTC Account to another UTC Account.
The limit on incoming ACH transfers (from an external bank account to a UTC Account) is TT$40,000.00. These funds will be credited to your Account within 5 business days of receipt from the bank.
The limit on outgoing ACH transfers (from a UTC Account to a bank account or thirdparty Accounts) is TT$50,000.

Accounts and General Services

How are my Accounts displayed on Uon?

Your Accounts are categorised: Short and Medium to 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.

Can all my UTC Accounts be accessed through Uon?

You will have full access to manage the following individually owned Accounts online when you log in to Uon.

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

You can view and transfer funds into the following jointly owned Accounts. However, you will not be able to transfer funds out of these Accounts in Uon:

US Income Fund
TT Income Fund
Growth and Income Fund

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

Student Investment Protection Plan
Pension Plus
Universal Retirement Fund

What do the coloured tags on my Account card mean?

Red tags mean that the Account is individually owned, while Yellow tags mean that the Account is a Joint Account.

Can I open a new Account using Uon?

This service is currently unavailable at this time.

Can I pay bills from Uon?

This service is currently unavailable at this time.

What is the difference between a “Contact” and a “Payee”?

A Contact refers to the Account details of a third-party UTC account, and a Payee refers to the Account details of a personal or third-party Account at another Financial Institution.

What Account format should be used when I add a Contact?

A Contact is a term used to describe the Account details of a UTC unitholder. All UTC ID numbers have been upgraded to Customer Information File (CIF) numbers in our new system; therefore, 3 zeros have been added to the front of your previous UTC ID number. To successfully add your Contact, please confirm the new CIF number with the Contact being added. The first and last name of your contact must be inserted in the appropriate fields.

Can I view my transaction history?

Yes, for each Account, you can view a history of your transactions/eStatements. Your transaction history can assist you in keeping track of your financial goals. Go to the “All Investments” Tab and select “Account Card and Transaction History” to view your transaction history. Go to the eStatement tab to view 6 distribution periods of statements.

When can I see 6 consecutive eStatements in Uon?

Previous transaction history will not be available in the upgraded Uon platform. As a result, you will only be able to see 6 consecutive eStatements six months after the new platform goes live. Should you need copies of previous statements, you can request them through the Contact Centre or Investment Centre or sign up for our eStatements platform to view your historical statements.

What are the periods in which I will receive eStatements for all my Funds?

eStatements for all Funds will be produced monthly. This does not impact the distribution period of the Fund.

Do I have to use the same address registered in Uon as the mailing address for my new Debit Card service request?

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

Fixed NAV and Floating NAV funds on Uon

What is the difference between Fixed NAV and Floating NAV Funds?

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 changes daily, based on the performance of the pool of securities. Essentially, the value of a unit on the subscription date can differ from the value of the unit on the redemption date.

What are the different Fixed NAV and Floating NAV Accounts available on Uon?

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)

When can I see changes to my balances after conducting a transaction with a Floating NAV Fund?

Due to the change in valuation of units for the Growth and Income and Universal Retirement Fund, changes to your Account balances will be reflected within 1 – 5 business days, depending on the type of transaction

Can transactions be processed anytime on Uon/ Is there a cut-off time for transactions?

You can put through transactions at any time on Uon, but there will be a cut-off time for processing transactions with Floating NAV elements. This means that any Floating NAV-related transaction initiated after the cut-off time will be processed in 1 – 5 business days, depending on the type of transaction.

How long will it take for my transactions to be processed?

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

US Income Fund
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 processed after the cut-off:

Fixed NAV Account to Floating NAV Account
Cross Currency – Fixed NAV Account to Floating NAV Account
Floating NAV Account to Fixed NAV Account

Why does a Cheque Repurchase request take 2 days for processing?

A Cheque Repurchase request submitted via Uon requires approval before the cheque can be printed and made available in the Investment Centre.

UNAVAILABILITY OF TRANSACTION HISTORY

We want to encourage you to sign up for eStatements at www.ttutc.com/estatements/

This is because, with the transition to Finacle, the transaction history on customer accounts before September 1st, 2022, is unavailable in the upgraded Uon, previously U-online platform.

However, we can provide statements at any Investment Centre, once the customer makes arequest.