What Happens If You Fall Below Your Hexagon Club Balance Requirement?

When you step into premier banking, you choose a lifestyle where your money works harder, your time is respected, and your financial growth is nurtured with care. At RCBC, we designed our Hexagon Club to deliver exceptional rewards, bespoke privileges, and dedicated support tailored to your ambitious goals. 

To keep these VIP privileges active, staying aligned with your Hexagon Club balance requirement is essential. Let us explore how maintaining your account balance protects your membership status and keeps your exclusive benefits flowing seamlessly.

Understanding Your Tier Requirements and Benefits

At RCBC, we offer three tiers for different stages of your personal and professional journey. Each tier requires maintaining a specific Average Daily Balance (ADB) across your Peso and Foreign Currency Deposit Unit (FCDU) checking and savings accounts (CASA):

• RCBC Hexagon Club - Privilege: Designed for individual account holders maintaining a total CASA ADB of at least Php100,000.
• RCBC Hexagon Club - Priority: Crafted for individuals who maintain a total CASA ADB of at least Php1,000,000.
• RCBC Hexagon Club - Prestige: Built as premium banking for business owners maintaining a total CASA ADB of at least Php500,000.

When your total deposits stay within these balance thresholds, you enjoy complimentary perks such as a dedicated Branch Manager, priority queuing, free life insurance coverage, waived bank fees, free ATM withdrawals, preferential interest rates and FOREX rates, and elevated credit card privileges with no annual fees for life.

What Happens When Your Hexagon Club Maintaining Balance Falls Below the Threshold?

If your total CASA ADB dips below your tier’s required threshold during RCBC’s periodic re-evaluation cycles, here is how your membership is affected:

1. Account Re-evaluation and Prior Notice

Before any adjustments occur, we prioritize clear communication. You will receive a notification regarding your ADB standing so you are always fully informed of any changes.

2. Tier Downgrade or Membership Adjustment

Upon prior notice, we may adjust your membership status to the tier that corresponds to your actual ADB. For example, if you were upgraded to RCBC Hexagon Club - Priority status but your CASA ADB drops below Php1 Million, your account may be reclassified back to RCBC Hexagon Club - Privilege. If your balance falls below Php100,000, club status and its associated perks may be paused until the required ADB is restored.

3. Reinstatement of Standard Banking Fees

One of the most immediate impacts of falling below the required balance of your Hexagon Club tier is the loss of waived service fees. Standard transaction charges—such as the interbranch over-the-counter withdrawal or deposit fees—will apply once again.

4. Adjustment of Tier-Specific Privileges

Higher tier-exclusive perks—such as airport lounge access, dedicated priority phone lines, free international ATM withdrawals, and specialized concierge services—are reserved for maintaining members. Additionally, eligibility for preferential time deposit rates and lower interest rates on auto, home, or personal loans depends directly on maintaining the required CASA ADB from the previous month.

Managing Your Deposits to Preserve Your VIP Experience

Here is how you can ensure your tier benefits remain uninterrupted:

• Consolidate Your CASA Accounts: Your ADB requirement does not have to rest in a single account; we calculate your ADB across all eligible Peso and FCDU savings and checking accounts registered under your name or corporate entity.
• Monitor Balances Digitally: Check your Hexagon Club balance requirement and track transactions effortlessly through the RCBC Pulz mobile app.
• Partner with Your Branch Manager: If you foresee a temporary liquidity deployment for a business investment or estate expansion, reach out to your dedicated Branch Manager. They can help structure your funds and guide you on options to keep your overall relationship compliant.

Elevate Your Legacy with RCBC Hexagon Club

Maintaining the required balance for your Hexagon Club tier is your gateway to an uncompromised financial lifestyle. From preferential rates on time deposits and loans to personalized financial advisory, complimentary insurance coverage, and exclusive travel benefits, your membership is structured to reward your achievements and accelerate your future financial plans.

At RCBC, we remain committed to standing by your side as your trusted partner, delivering best-in-class personal and business solutions designed to protect your finances today and build your legacy for generations to come.

Explore Hexagon Club solutions that keep your portfolio optimized and your VIP perks active. Visit your nearest RCBC branch today to enjoy first-class banking built around you!