Account
The bank has been providing financial services to the common laborer for almost 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 place. 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 out of your account, 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 other 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. This service allows the card holder access to its current account at any Cirrus Maestro affiliated ATM or POS around the globe.

Wedding bells
If you're hearing wedding bells surely you must be a very lucky person. Marriage is a noble institution in which both persons commit to support each other “for better or for worse”. Accordingly, attention must be given to financial matters. Should you go ahead and open a joint account or should you keep using separate accounts, but with one joined savings account? Whether your preferred method of payment is with the use of personal checks or ATM card, in most cases we can provide you with either one within 24 hours. And don't forget the words “in sickness and in health” for they constitute an important aspect of this noble institution called marriage. Many bride and groom choose to get health and life insurance coverage even before the marriage, since nowadays, there are many types of insurance to fit almost anyone's budget.

Buying your first car
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 at very low interest rate: 6 %., and your car's first year of insurance!
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. For more information see our online application, e-mail us or contact our Personal Loans department.

Planning to buy a house
Whether you're going to build your own house or prefer buying an existing house, most of us dream of owning our own home. To some extent it may even be a purpose in life. And moreover a sound investment, when compared to paying rent. We can help you realize your dream of owning your own home.

Save for a down payment on the house It is not uncommon to save towards the downpayment or the initial costs long before you start planning or searching for a house. Furthermore, having a down payment gives one the option to buy a larger house, or close a lower mortgage loan. Traditionally, 20% of the total price was required for the down payment but this varies. One should not forget that the less money is put down the higher the insurance premiums and monthly payments will be. Consult with our experts for further information. Save more with time deposits When starting to save for the down payment it is recommendable to use our savings account, if the starting amount is less than ANG. 5.000,00. When one surpasses this amount and is still at least one year away from buying a house, a time deposit account will earn you a better rate of return and without any unnecessary risk. Historically, the longer the term the higher the return. However, careful planning must be made to ensure that the time deposit will mature on or before the day you plan to use the down payment. When you're getting close to buy As you reach your goal in terms of the down payment, you would want to keep these funds as liquid as possible, but still get a good rate of return. Our savings account is the prefect savings tool and pays you 3.0 % interest p.a. Ready to buy? Think about getting pre-qualified for a mortgage. Our mortgage expert will tell you approximately how much you can afford to borrow based on your income situation, which will help you determine the price range of the house you can afford, before you start shopping around. Choosing the right mortgage for you The most common type of mortgage in our markets is the annuity mortgage, where your monthly payments will remain unchanged, as long as the interest rate remains the same. The annuity concept entails that in the beginning a large part of your monthly payment will go to the mortgage interest portion(tax deductable) and a smaller part to the mortgage repayment portion. At the end of the mortgage term, the opposite occurs. Banco di Caribe's annuity mortgage enables many like you to make their dreams come true, thanks to their low interest rates and consequently the low net interest charges in the beginning of the loan. Where it counts the most.

After the purchase of the house itself, a home insurance is the second most important thing. For the home insurance is going to protect you from life's unexpected accidents, such as fire, calamities, etc. Be sure to get the coverage you need. For more information e-mail our insurance department or telephone our insurance experts for detailed explanation.

Growing your family
As you may well know, raising a family is one of the biggest responsibilities one can have. Not only should one provide life's basic necessities but naturally also the opportunity for our children to do better than us. Besides professing wisdom, integrity and respect, an important responsibility of a parent is the financial capital needed for their children to pursue higher education. Financial planning will help you organize yourself and reach your goal while minimizing stress en route.

Create a financial cushion The first level of financial security is to have a financial cushion. In other words, funds that can be used to pay for unexpected emergencies. As a rule of thumb, the size of the capital should be equivalent to three months' salary and would generally be kept on a savings account. One should try to abstain as much as possible from making withdrawals from this account. Simplify your finances As you create a financial cushion and become more financially secure, you may want to spend less time doing your finances. To facilitate the monthly task of making deposits and payments, we offer you time saving services to help you spend less time at the bank. Of course, you are always welcome for coffee. Just simplify your life by using our standardized services. For making regular or monthly payments or deposits, standing orders is the way to go. Most requests can be faxed to our processing center, or dropped off at any of our Branch info. For more detailed information contact our Customer Information Center. Consolidate your debts If you believe you are spending too much time and money paying different loans, (including credit cards) with high interest rates, the consolidation of your debt might be a viable solution. If you already own your home and thus have equity in it or have an acceptable collateral, you may qualify to consolidate your debts in one loan, which will generally lower your monthly payments and insurance premium. For more detailed information e-mail or contact our mortgage expert via telephone. Save for the future It is never too early to plan for your child's higher education or for when you decide to take it easier and retire. Although it may seem too early, it is exactly this early opportunity to adequately plan ahead, that makes saving for the future easier. There are many long term investment instruments that provide good return. It mainly depends on the amount of risk you're willing to take. Some people prefer Time Deposits over savings accounts, since they yield a higher return. Others prefer the convenience of Savings plans offered by some insurance firms. Has your house become too crowded As your family grows, it may require more room. Chances are you want to buy a new house or build an addition to your house. The latter may be a good choice, since you will not only add a room to your house but also add more value to it.

If you already own your home and are thinking of adding a bathroom, bedroom, kitchen or garage, you may want to refinance your loan provided that you have enough equity in your mortgage. However, if you don't already own your home, take time to adequately investigate all your options. For more detailed information e-mail or contact our mortgage expert via telephone.

Protect your family with adequate insurance coverage
An increasingly indispensable aspect in our everyday lives is insurance.
It has become a normal practice to insure oneself and family against any kind of loss, be it tangible or intangible. Of utmost importance are your loved ones and anything that might jeopardize their lives. Our Insurance department can help you select that insurance policy that is just right for you, your family, and your wallet.

The most common insurance for households are:
1	Life insurance (basic or with savings factor or disability coverage)
2	Fire insurance (lightning, smoke, storm and hurricane, theft, earthquake)
3	Accident insurance (temporarily or permanently disabled, or death)
4	Liability insurance
5	Savings insurance
6	Education Financing fund insurance
7	Valuables insurance
8	Third party liability insurance
9	Pension plan

For more detailed information or a personal consultation with one of our experts, e-mail us with your questions or contact our insurance department for an appointment.

It's never too early to plan one's retirement
In fact, the sooner you start planning, the higher your chances of reaching your goal and retiring in style. Planning for your retirement constitutes a great commitment on your part. Many get discouraged after having experienced financial setbacks, such as the burden of college tuition, unexpected medical expenses, bad investments, or even job loss. But one should not succumb to the feeling of helplessness.

• Steps
  1-Figure out what you will have at time of retirement and what you will need to live comfortable in the years ahead.
  2- Prepare a zero-based budget to be implemented as soon as possible.
  3- How is your current work situation
  4- Will you need to start working a second job
  5- Plan to sell your house and get a smaller one or maybe rent an apartment
  6- Be realistic in your projections and dreams

There's nothing worse than being retired and broke! So it is imperative that you not spend money on things that are not important so that you can save money for your retirement.
They say that “every guilder you save now is a one more guilder of flexibility at retirement. Given the present conditions, flexibility may prove to the most important thing money can buy in the long run.

Investing for retirement
If you're looking for ways to invest for your retirement you should establish how much risk you are willing to take at your present age and which investment vehicle lets you reach that goal. If you don't want to commit your savings to a term account a savings account should give you a higher return than a current account. Our savings account pays 3.0 % interest p.a. On the other hand, if you demand a higher return on your investment but with no risk, our Time Deposit account is just what you need. Our interest rates on Td's range from 2.75 % for a term of 6 months up to 4.75 % for a term of 5 years. Other forms of investment that you might want to consider, but that have a greater element of risk attached, are bonds and mutual funds.