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| Regular Savings Account | DreamSavers Account | Flexi Hi-Rate Savings | Power Earner Savings | PowerEarner Savings Corporate | |
| What you’re looking for | Earn interest as you deposit regularly. | Teach kids to save for the future, by letting them enjoy rewards right away. | Increase your effective interest rate as your balance increases while having full flexibility on your deposit account. | Earn higher interest than a regular savings account while allowing withdrawals up to four times in a calendar month. | Earn even higher interest than a PowerEarner Checking account while allowing withdrawals up to twice in a calendar month. |
| Maintaining Balance | PHP 25,000 | PHP 25,000 | PHP 75,000 | PHP 25,000 | PHP 500,000 |
| Balance to Earn Interest | PHP 25,000 | PHP 25,000 | PHP 1 | PHP 25,000 | PHP 500,000 |
| Interest Rate | 0.625% | 25k–<500k = 1.40% 500k–<1m = 1.60% 1m–<5m = 2.20% 5m–<10m=2.30% 10m–above = 2.50% |
1–<150K = 0.625% 150K –<500K = 2.40% 500K –<1M = 2.80% 1M – above = 3.00% |
25k–<500k = 1.40% 500k–<1m = 1.60% 1m–<5m = 2.20% 5m–<10m=2.30% 10m–above = 2.50% |
500k–<5m = 2.40% 5mk–<10m = 2.40% 10m–<20m = 2.50% 20m–above = 2.50% |
| PowerEarner Checking | Flexi Hi-Rate Checkings | Interest Bearing Checking Account | |
| What you’re looking for | Earn higher interest while allowing withdrawals up to twice in a calendar month. | Increase your effective interest rate as your balance increases while having full flexibility on your checking account. | Withdraw money by issuing checks. |
| Maintaining Balance | PHP 50,000 | PHP 75,000 | PHP 25,000 |
| Balance to Earn Interest | PHP 50,000 | PHP 1 | PHP 25,000 |
| Interest Rate | 50k–<500k = 1.40% 500k–<1m = 1.60% 1m–<5m = 2.30% 5m–<10m=2.40% 10m–above = 2.50% |
1 –< 150K = 0.51% 150K –< 500K = 1.40% 500K –< 1M = 1.60% 1M – above = 2.25% |
0. 51% |
| USD Savings Account | AUD Savings Account | 3rd Foreign Currency Savings Account | Axcess Plus | |
| What you’re looking for | Earn interest as you deposit regularly. | Enjoy high interest rates while maintaining your liquidity. | Earn interest in your deposit’s foreign currency as you deposit regularly. | Ease your financial management responsibility via a more convenient means of paying purchases. |
| Maintaining Balance | $ 1,000 | 10,000 AUD | $ 10,000 or equivalent | None |
| Balance to Earn Interest | $ 500,000 | 10,000 AUD | Varies according to currency | None |
| Interest Rate | 0.25% p.a. | 10K–<100K= 1.5% >100K= 2.5% |
0.25% p.a. | N/A |
| Regular PHP Time Deposit |
Special PHP Time Deposit |
Repriceable PHP Time Deposit |
USD Time Deposit |
Third Currency Time Deposit | |
| Minimum Placement |
PHP 200,000 | PHP 200,000 | PHP 200,000 | USD 5,000 | FCY equivalent of USD 50,000 |
| Interest Rate |
Please call any of our branches or the Contact Centre at 830-1111 for details. | ||||
| Available Tenors |
30 days 60 days 90 days 180 days 360 years |
360 days | 360 days; |
30 days 60 days 90 days 180 days |
30 days 60 days 89 days |
| Payout Frequency |
At maturity | Monthly | Monthly | At maturity | At maturity |
| Repricing Frequency |
None | None | Monthly | None | None |
| Documentary Stamps |
PHP 1 for every PHP 200 in funds or a fraction thereof. Shouldered by the Bank if not pre-terminated | ||||
| Withholding Tax |
20% of interest earned | 7.5% of interest earned | |||
| Pre-Termination (Personal Banking) |
If terminated on or before mid-term, 0% of Interest Rate applies + DST of PHP 1 for every PHP 200 or a fraction thereof If terminated after mid-term, 50% of Interest Rate applies + DST of PHP 1 for every PHP 200 or a fraction thereof |
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| Pre-Termination (Priority Banking / SME Banking) |
If terminated on or before mid-term, 50% of Interest Rate applies + DST of PHP 1 for every PHP 200 or a fraction thereof If terminated after mid-term, 75% of Interest Rate applies + DST of PHP 1 for every PHP 200 or a fraction thereof |
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