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Personal Accounts

Browse our FAQs for detailed answers on Personal Accounts, covering everything from E-Smart/Salary Accounts to overdraft protection and SMS banking. If your question isn't answered, we're here to help – get in touch with us for personalized support.

  • What are the requirements to open a Senior Chequing Account?
    The documents you would need to open a Senior Chequing Account are as follows: 1) Valid Social Security Card or passport 2) Proof of Address - This can be in the form of a valid driver's license, utility bill in your name and not older than 3-months from the date you wish to open your account. Note: If the bill is not in your name, the utility bill holder will be required to complete a proof of occupancy form that the bank provides along with a copy of his/her ID card. Download form here. 3) Initial deposit amount of $200
  • What is the minimum age to open a senior account?
    Customers who are 55 years of age or older should particularly use this account.
  • What are the features and benefits of a senior account?
    With a Senior Chequing Account, you can enjoy the following products/services that we offer: a. Free Debit Card b. Free Online Banking c. Free Access to our Mobile Banking App. d. Free SMS Based Banking e. No Monthly maintenance fee f. Chequebooks g. Cash withdrawal and deposit fee h. Monthly interest earned at 2.50% if the account balance does not go below $500.00.
  • What do I need to open an E-Smart/ salary account?
    The documents you would need to open a Salary Account, known as E-Smart Account, are as follows: 1) Valid Social Security Card or passport 2) Proof of Address - This can be in the form of a valid driver's license, employment verification letter that states your permanent address, utility bill in your name and not older than 3-months from the date you open your account. Note: If the bill is not in your name, the utility bill holder will be required to complete a proof of occupancy form that the bank provides along with a copy of his/her ID card. Download form here. 3) For salary accounts, present your employment verification letter along with a $20.00 deposit. Proof of Occupancy
  • What are the features and benefits of E-Smart Accounts?
    With an E-Smart Account, you can enjoy the following products/services that we offer: a) Free Contactless Debit Card b) Free Online Banking c) Free Access to our Mobile Banking App. d) Overdraft Protection - Is a simple way to cover for shortfalls in your E-Smart accounts. In other words, it’s similar a mini loan to protect our customers against declined debit transactions, non-sufficient funds, additional non-authorized overdrafts fees and higher interest rates. e) Free SMS Based Banking f) Monthly ledger fee is $2. g) Over the counter withdrawal fee is $2 h) Deposits service fee if $1 i) No cheques j) Non-interest-bearing account
  • How can I obtain an overdraft protection on my E-Smart Account?
    All customers over 18 years old with eligible direct deposits per month can qualify for Overdraft Protection. Ask any of our friendly customer service representatives about how you can access overdraft protection. Overdraft protection is a simple way to cover for shortfalls in current accounts. The overdraft protection is offered in different amounts namely $500, $1000, $3000 or $5000. The repayment term is monthly interest based on the used amount. An Interest rate of 10.5% to 11.5% applies.
  • Can I add someone else to my account?
    Absolutely, all joint bank accounts can have two or more owners. Visit the nearest Belize Bank Limited branch, with the person you wish to add, and present the required documents. The bank will generally require both owners to complete and sign a joint application form and signature card, which authorizes both owners to have full access and control of the account. With a Joint Account, each account holder enjoys the following products/services that we offer: a) Free Debit Card b) Free Online Banking c) Free Access to our Mobile Banking App. d) Free SMS Based Banking e) Monthly fee varies on the account type f) Free online banking statements
  • Can I include a beneficiary to my account?
    The Belize Bank Limited does not require you to name a beneficiary when you open a checking or savings account. Any funds in your savings or checking account can be included in your estate after you die which the bank will honor after probate. It is important to note that joint holders will also have full access to your account.
  • How can I access the E-Smart Account statement?
    You can easily download your statement via online banking for FREE. If the months requested have not been generated under the "statements" section you can access it via the online banking website by following the below steps: 1. Log in via the website. https://online.belizebank.com/#/auth/login 2. Click on the account. 3. Click on the Dates (appears below your name and account number). 4. A calendar will pop up, click on the start date and end date of your desired statement. 5. Click OK. 6. A transaction list for those dates will appear. 7. Click on Print (you can then select to print or save as PDF). Monthly statements can also be obtained from your branch for a minimum of $10 per statement.
  • How can I set up SMS based banking?
    To set up text or email alerts whenever any transaction occurs on your account, Kindly follow the steps below: 1. login into the website https://online.belizebank.com/#/auth/login 2. Click on Mobile Channel 3. Click Alert Subscription 4. Select your Account 5. Click on ADD SUBSCRIPTION + 6. select a deposit above threshold (this is so you get a text whenever money comes in, you also have other options to add), or choose from any other option available 7. Select RECEIVE BY SMS or RECEIVE THIS ALERT BY EMAIL 8. Set your threshold at 1 so whenever anything greater than $1 is deposited you will receive a text 9. Click on Subscribe!
  • How can I change/update the contact information on my account?
    For the best mobile banking experience, we recommend logging on the online or mobile app. Open the main menu (three horizontal bars) and follow the steps below, based on what needs to be changed: On the App 1. Log in to the app and select SETTINGS 2. Select update contacts 3. Please provide a new phone number or a new email address 4. Enter the new phone number in the format 501-6**-**** 5. Click update On the Website: 1. Log in to the online banking and select SETTINGS 2. Select change contact 3. Please provide your new phone number or a new email address 4. Enter the new phone number in the format 501-6**-**** 5. Select confirm change Every 6 months all customers who have access to digital banking (online or via an app) will be prompted to update their contact information (email and phone number). Current information including name, addresses, phone numbers, email addresses, etc. need to be kept up-to-date at the bank. If they don’t have a reliable means of contacting you, you could be missing out on some key personal benefits including but not limited to: 1. Security Updates 2. Fraud Protection 3. Statements and Notices 4. Important Account Changes 5. Debit/Credit Card Upgrades and Replacement 6. Mobile alerts Remember, if you move, change your name or even just get a new phone number, inform one of our helpful customer support representatives who will guide you with how to update your information. It could save you a lot of headaches.
  • How can I add my account(s) online?
    Follow these easy steps to add your account(s) to your online banking account: 1. Log in to your online banking on the website https://online.belizebank.com/#/auth/login 2. Go to SETTINGS 3. Select MY ACCOUNTS 4. Click ADD ACCOUNT + 5. From the drop-down box select the account you would like to add.
  • How can I set up SMS-based banking?
    To set up text or email alerts whenever any transaction occurs on your account, Kindly follow the steps below: 1. Login into the website https://online.belizebank.com/#/auth/login 2. Click on Mobile Channel 3. Click Alert Subscription 4. Select your Account 5. Click on ADD SUBSCRIPTION + 6. select a deposit above threshold (this is so you get a text whenever money comes in, you also have other options to add), or choose from any other option available 7. Select RECEIVE BY SMS or RECEIVE THIS ALERT BY EMAIL 8. Set your threshold at 1 so whenever anything greater than $1 is deposited you will receive a text 9. Click on Subscribe!
  • What are the requirements to open a Regular Savings Account
    The documents you would need to open a Savings Account are as follows: 1) Valid Social Security Card or passport 2) Proof of Address - This can be in the form of a valid driver's license, employment verification letter that states your permanent address, utility bill in your name and not older than 3 months from the date you wish to open your account. Note: If the bill is not in your name, the utility bill holder will be required to complete a proof of occupancy form that the bank provides along with a copy of his/her ID card. Download the form here. 3) Initial deposit is $100.
  • What are the features and benefits of a regular savings account?
    With a Regular Savings Account, you can enjoy the following products/services that we offer: a. Free Contactless Debit Card b. Free Online Banking c. Free Access to our Mobile Banking App. d. Free SMS Based Banking e. Monthly fee is $1.50 f. Free online banking statements
  • Can I put in place a Pre-Authorized Credit Transfer (Standing Order) from my Transactional Account to deposit to my Regular Savings automatically?
    Absolutely, standing order allows you to automatically make recurring bill payments or transfers on date that you choose. You have control to set up the payment amount and dates, and in the case of your credit card, you can set it to pay the minimum or full balance.
  • How can I change/update the contact information on my account?
    For the best mobile banking experience, we recommend logging on the online or mobile app. Open the main menu (three horizontal bars) and follow the steps below, based on what needs to be changed: On the App 1. Log in to the app and select SETTINGS 2. Select update contacts 3. Please provide a new phone number or a new email address 4. Enter the new phone number in the format 501-6**-**** 5. Click update On the Website: 1. Log in to the online banking and select SETTINGS 2. Select change contact 3. Please provide your new phone number or a new email address 4. Enter the new phone number in the format 501-6**-**** 5. Select confirm change Every 6 months all customers who have access to digital banking (online or via an app) will be prompted to update their contact information (email and phone number). Current information including name, addresses, phone numbers, email addresses, etc. needs to be kept up-to-date at the bank. If they don’t have a reliable means of contacting you, you could be missing out on some key personal benefits including but not limited to: 1. Security Updates 2. Fraud Protection 3. Statements and Notices 4. Important Account Changes 5. Debit/Credit Card Upgrades and Replacement 6. Mobile alerts Remember, if you move, change your name or even just get a new phone number, inform one of our helpful customer support representatives who will guide you on how to update your information. It could save you a lot of headaches.
  • How do I access the savings account statements?
    You can easily download your statement via online banking for FREE. If the months requested have not been generated under the "statements" section you can access it via the online banking website by following the below steps: 1. Log in via the website https://online.belizebank.com/#/auth/login 2. Click on the account 3. Click on the Dates (appears below your name and account number) 4. A calendar will pop up, click on the start date and end date of your desired statement. 5. Click OK 6. A transaction list for those dates will appear 7. Click on Print (you can then select to print or save as PDF) Monthly statements can also be obtained from your branch for a minimum of $10 per statement.
  • As a non-resident, can I open a savings account?
    The documents you would need to open an account are as follows: 1. Valid Passport 2. Proof of Address - This can be in the form of a valid driver's license, employment verification letter that states your permanent address, utility bill in your name and not older than 3-months from the date you open your account. Note: If the bill is not in your name, the utility bill holder will be required to complete a proof of occupancy form that the bank provides along with a copy of his/her ID card. Download form here. 3. Letter stating purpose of the account and interest in Belize 4. Application fee of $50 to apply to the Central Bank of Belize for approval (if applicable)
  • What are the requirements to open a Personal Checking Account?
    The documents you would need to open a Personal Checking account are as follows: 1) Valid Social Security Card or passport 2) Proof of Address - This can be in the form of a valid driver's license, employment verification letter that states your permanent address, utility bill in your name and not older than 3-months from the date you wish to open your account. Note: If the bill is not in your name, the utility bill holder will be required to complete a proof of occupancy form that the bank provides along with a copy of his/her ID card. Download form here.
  • What are the features and benefits of a Personal Chequing account?
    With a Personal Chequing Account, you can enjoy the following products/services that we offer: a) Personalized Chequebooks b) Free Deposit Book c) Free Mobile Banking App d) FREE Online Banking e) Free monthly statements via online banking f) Cash Withdrawal fee is $1 g) Deposit fee if $1 h) No monthly ledger fee
  • How can I reorder chequebook?
    You can order your personal checks with any of these easy options: Online - order in the app or mobile banking, In person at your nearest Belize Bank Limited branch or by phone call 227-7132 (be sure to have your last four cheque numbers).
  • How do I stop payment on a personal cheque?
    To stop the payment of a check, go to a nearest Belize Bank Limited branch or send a message via the online banking secure message center. Request a Stop Payment Order in writing. Make sure to report the check number, the amount, the recipient's name, and the date on the check.
  • Does this account earn interest?
    Checking accounts are non interest bearing accounts.
  • How to withdraw money from my chequing account?
    It’s easy to withdraw cash from your checking account anytime using your debit card at an ATM or by visiting a branch. You can also take money out of your account by writing checks, making payments in online and mobile banking, and sending money to friends and family with person to person transfers, such as E-kyash.
  • Do you need a minimum deposit or minimum balance?
    We recommend that you maintain a minimum balance of xxxxx
  • How do I access the monthly account statement?
    You can easily download your statement via online banking for FREE. If the months requested have not been generated under the "statements" section you can access it via the online banking website by following the below steps: 1. Log in via the website https://online.belizebank.com/#/auth/login 2. Click on the account 3. Click on the Dates (appears below your name and account number) 4. A calendar will pop up, click on the start date and end date of your desired statement. 5. Click OK 6. A transaction list for those dates will appear 7. Click on Print (you can then select to print or save as PDF) Monthly statements can also be obtained from your branch for a minimum of $10 per statement.
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