Rizal Commercial Banking Corporation

PERSONAL DEPOSIT PRODUCTS

At RCBC, enjoy greater convenience in managing your funds. Avail of a wide range of deposit products that answer your needs for greater accessibility to your funds, value-added features, competitive rates and convenience. RCBC deposit products are accessible through the Bank's business centers conveniently located nationwide or through the Bank's electronic banking channels such as myRCBC Access One, myRCBC Phone Banking, myRCBC Mobile Banking, and myRCBC ATMs for individual depositors.

Any two (2) Government Issued Identification cards are needed for account opening and it is regulated by the Bangko Sentral ng Pilipinas.

SAVINGS ACCOUNT PRODUCTS

Regular Savings Account

Keeping your money safe with RCBC and earning interest rate from it! Now, your savings account comes with a myRCBC Access Card that lets you get cash, pay bills, transfer funds, and shop through any our many electronic channels. Enjoy the convenience of using your card anytime, anywhere through any BancNet or Megalink ATM, BancNet POS like malls supermarkets, and department stores, myRCBC Access One, RCBC Phone Banking, and RCBC Mobile Banking.

A deposit account that earns interest. Access to funds may be done 24x7 through the ATM using myRCBC Access card or over-the-counter using the passbook. ATM-operated accounts will be provided quarterly Statement of Account.

	Passbook	Passbook SWAT*	MyRCBC Access Card	ATM SWAT
Minimum Initial Deposit	P 10,000.00	P 25,000.00	P 3,000.00	P 25,000.00
Minimum Maintaining Balance	P 10,000.00	P 25,000.00	P 3,000.00	P 25,000.00
Minimum Balance to Earn Interest	P 10,000.00	P 25,000.00	P 10,000.00	P 25,000.00
Interest Rate	0.5%	0.5%	0.5%	0.5%

* Savings With Automatic Transfer

Dragon Savings Account

Earn high interest rates as your deposits grow! Dragon Savings is a tiered interest rate* savings account that maximizes returns to your deposits. You can withdraw funds from your account unlimited number of times and still earn high rates. You can access your Dragon Savings account through ATM or Passbook, and via RCBC's electronic channels.

	Passbook	Passbook SWAT*	MyRCBC Access Card	ATM SWAT*
Minimum Initial Deposit	P 25,000.00	P 50,000.00	P 25,000.00	P 25,000.00
Minimum Maintaining Balance	P 25,000.00	P 50,000.00	P 25,000.00	P 25,000.00
Minimum Balance to Earn Interest	P 25,000.00	P 50,000.00	P 25,000.00	P 25,000.00
Personal Interest Rate
25K to < 100 K	0.50%	0.50%	0.50%	0.50%
100 K to < 500 K	0.75%	0.75%	0.75%	0.75%
500 K to < 1.0 M	1.00%	1.00%	1.00%	1.00%
1.0 M to < 5.0 M	1.25%	1.25%	1.25%	1.25%
5.0 M and above	1.50%	1.50%	1.50%	1.50%
Corporate Interest Rate
50K to < 100 K	0.50%	0.50%	0.50%	0.50%
100 K to < 500 K	0.75%	0.75%	0.75%	0.75%
500 K to < 1.0 M	1.00%	1.00%	1.00%	1.00%
1.0 M to < 5.0 M	1.25%	1.25%	1.25%	1.25%
5.0 M and above	1.50%	1.50%	1.50%	1.50%

* Savings With Automatic Transfer

Dollar Dragon Savings Account

Just like its peso counterpart, Dollar Dragon Savings Account offers high tiered interest rate that lets you receive high return as your deposit grows. You also have access to your funds as this dollar savings account lets you withdraw unlimited number of times. At the same time, you can also access and monitor your account thru Access One, Mobile and Phone Banking.

	Personal	Corporate
Minimum Initial Deposit	$ 500.00	$ 1,000.00
Minimum Balance Requirement	$ 500.00	$ 1,000.00
Minimum Balance to Earn Interest	$ 1,000.00	$ 2,500.00
Interest Rate
1,000 - 5,000	0.25%	0.25%
5,000 < 25,000	0.50%	0.50%
25,000 and above	0.525%	0.525%

* Savings With Automatic Transfer

Super Earner

Earn superbly with Super Earner! Super Earner takes you one step higher to optimizing returns to your liquid funds, just be limiting your withdrawals to one per month. It is a tiered rate interest savings account product of RCBC with withdrawal limitation. You can access you Super Earner through ATM or Passbook, as well as monitor your funds via RCBC’s electronic channels.

	Passbook	ATM
Minimum Initial Deposit	P 25,000.00	P 25,000.00
Minimum Maintaining Balance	P 25,000.00	P 25,000.00
Minimum Balance to Earn Interest	P 25,000.00	P 25,000.00
Interest Rate
25K to < 100 K	0.25%	0.25%
100 K to < 500 K	0.50%	0.50%
500 K to < 1.0 M	0,75%	0,75%
1.0 M to < 5.0 M	1.00%	1.00%
5.0 M to < 10.0 M	1.25%	1.25%
10.0 M and above	1.50%	1.50%

eWoman Savings Account

This is RCBC's new savings account that is especially designed for women. Enjoy the perks and prvileges of the eWoman savings account with a lower initial deposit. Have fun and pamper yourself!

	Passbook	ATM
Minimum Initial Deposit	P 15,000.00	P 15,000.00
Minimum Maintaining Balance	P 15,000.00	P 15,000.00
Minimum Balance to Earn Interest	P 15,000.00	P 15,000.00

SSS Pensioner

Why bother lining up to get your pension? Let us do the crediting of your pension via our SSS Pensioner savings account. With no initial deposit needed, credit your pension through this deposit channel. It's the most convenient way to receive and get your hard work pension.

	Passbook	ATM
Minimum Maintaining Balance	P 100.00	P 100.00
Minimum Balance to Earn Interest	P 10,000.00	P 10,000.00
Interest Rate	0.5%	0.5%

Payroll Savings Account

RCBC also offers Payroll Savings Account to the employees of different corporations that wishes to avail this product. We guarantee fast and efficient service to the working people by having a product specifically designed for their payroll accommodations. With a low minimum initial deposit, no maintaining balance, and most of all an interest-bearing payroll account in order to protect and grow the hard-earned wages by the employee.

	ATM
Minimum Initial Deposit	P 100.00
Minimum Balance to Earn Interest	P 10,000.00
Interest Rate	0.5%

CURRENT ACCOUNT PRODUCTS

Regular Checking Account

A deposit account, which is subject to withdrawal on demand through the issuance of checks. Make payments conveniently, safely and easily without having to withdraw large sums of money. Your checking account comes with a myRCBC Access Card that lets you enjoy the convenience of our many electronic channels. Pay your bills (utilities, phone companies, credit cards, etc.) at no extra cost, transfer funds, get cash through any BancNet or Megalink ATM, and do your shopping at all BancNet POS outlets like malls, supermarkets, and departments stores. For added convenience, you can also do other banking transactions through RCBC Access One, RCBC Phone Banking, and RCBC Mobile Banking.

	Regular Checking
Minimum Initial Deposit	P 10,000.00
Minimum Maintaining Balance	P 10,000.00

Super Value Checking Account

This is RCBC’s interest-earning demand deposit account that gives you extra protection by providing you with free personal accident insurance coverage of up to P1 million from Malayan Insurance. You can access your Super Value Checking account through checks, ATM, and the Bank’s electronic channels like RCBC Access One Internet Banking.

	w/ ATM	w/o ATM
Minimum Initial Deposit	P 15,000.00	P 15,000.00
Minimum Maintaining Balance	P 15,000.00	P 15,000.00
Minimum Balance to Earn Interest	0.5%	0.5%
Interest Rate	0.5%	0.5%

eWoman Checking Account

RCBC’s checking account specially designed for Women. It is intended to give women a life of luxury and security. The product aims to pamper women by providing multitude of perks & benefits such as free Life/Accident Insurance from Grepalife. Discounted price at YGC Honda Dealers (Parts and Labor), selected Malayan Insurance Products, and selected Belo Medical Services. You may access your account through specially designed checkbook and ATM card, plus the Bank’s electronic channels. A Checking Account specifically made for women’s needs.

Minimum Initial Deposit	P 35,000.00
Minimum Maintaining Balance	P 35,000.00