Cebuana Lhuillier Bank

Deposits are insured by PDIC up to Php500,000 per depositor.

Cebuana Savings

this is an upgraded version of Microsavings which can exceed P50,000 savings.

  • Save more than Php 50,00
  • Earn Higher interest per annum
  • No Limit on Deposit and Free Upgrade

1. Updated Customer Information Sheet
2. Two (2) Valid Government IDs

Interest per Annum0.50%
Minimum Maintaining Balance Php 1,000
Minimum Balance to earn5,000
Dormancy Period2 years without client-initiated transaction
Maximum account BalanceNo Limit
Deposit AmountMin php 50; No maximum limit
Regular Savings

Passbook-based savings account that let’s you monitor your growing money

  • Easy record keeping
  • Low initial deposit
  • Secure way to save

1. Updated Customer Information Sheet
2. Two (2) Valid Government IDs
3. Proof of Billing

Interest per Annum0.50%
Minimum Initial DepositPhp 500
Minimum BalancePhp 500
Require Balance to Earn InterestNo Limit
Checking Account

Secure payments via cheque with affordable peso checking account

  • Affordable Checking
  • Cover Personal or Business Needs
  • Secure payments

1. Customer Information Sheet (CIS)
2. Two (2) Valid Government IDs
3. Proof of Billing

Initial Deposits5,000
Interest Rate(Per annum)Non- Interest bearing
Maintaining  BalancePhp 5,000
Fund AccessCheckbook
Time Deposits

Earn Premium rates at your preferred maturity period

  • High Interest yield
  • Tax Free
  • Terms suitable to your lifestyle

1. Customer Information Sheet (CIS)
2. Two (2) Valid Government IDs
3. Proof of Billing

Amount30-89 Days90-364 Days365 Days
P10,000.00 – P49,999.990.592%0.632%0.654%
P50,000.00 – P99,999.990.592%0.632%0.654%
P100,000.00 – P199,999.990.592%0.632%0.654%
P200,000.00 – P499,999.990.592%0.632%0.654%
P500,000.00 – P999,999.990.700%0.700%0.700%
P1, 000,000.00 – P2,999,999.990.750%0.834%0.875%
P3, 000,000.00 – P4,999,999.990.750%0.834%0.875%
P5, 000,000.00 – P9,999,999.990.750%0.834%0.875%
P10, 000,000.00 and above0.750%0.834%0.875%
  • Initial Deposit of P10,000.00
  • Subject to 20% withholding tax
5 Year Time Deposit

Earn premium rates at your preferred maturity period

1. Customer Information Sheet (CIS)
2. Two (2) Valid Government IDs
3. Proof of Billing
4. Placement should be 5 years + 1 day
5. Net of interest

Minimum PlacementPhp 100,000
Terms30 Days to 365 Days
Proof of account Certificate of time Deposits

AmountInterest Rate (per annum)
P100,000 – 999,999.992.00%
P1,000.000 -P9,999,999.992.50%
P10,000,000n and above3.00%


Certificate of Time Deposits

This is a 30-day to one-year term deposit that offers high interest earning potential.  It assures clients of interest earnings for as long as the deposit remains in the bank throughout the agreed term.

We allow a client’s interest to be withdrawn or deposited to a savings account every month or at the end of the term depending on the depositor’s instruction.

Five-Year Term Time Deposits

This is a tax-free time deposit account with a five-year term. Interest may also be drawn every month or as the depositor wishes (every quarter, every year, at the end of the term or deposited to the depositor’s savings account).

100,000 up to 999,9992% Net
1Mn up to 9,999,9992.5% Net
10Mn & up3% Net
Special Savings Deposits

This is a term deposit savings account that offers premium rates with flexible maturity period. This kind of deposit comes with a passbook for ease of recordkeeping and monitoring of account transactions.

Interest rates (Gross) per annum:

Amount30 days90 days 1 year
10,000 – 49,9990.750%0.825%1.250%
50,000 – 99,9990.750%0.825%1.250%
100,000 – 199,9991.000%1.500%2.500%
200,000 – 499,9991.125%1.500%2.500%
500,000 – 999,9991.500%2.000%3.000%
1,000,000 – 2,999,9991.500%2.500%3.250%
3,000,000 – 4,999,9991.500%2.500%3.250%
5,000,000 – 9,999,9991.500%2.500%3.250%
10M and up2.000%2.500%4.500%
Regular Savings Deposits

This is a regular passbook-based savings account that can be withdrawn from anytime. This type of account earns an interest of 1% per annum.

Regular Demand Deposits

This is a non-interest checking account with a low maintaining balance requirement.

We require clients to shell out an initial deposit of Php 5,000 and maintain a Php 2,000 balance to avail this type of account.

move to top

An interest bearing deposit product with low initial deposit and has no maintaining balance. It is owned by Cebuana Lhuillier Rural Bank and is being carried by Cebuana Lhuillier Pawnshop as its cash agent, making it similar to savings bank as they accept transactions on behalf of the bank. Cebuana Lhuillier Micro Savings is currently available in close to 3,000 branches nationwide and can be availed using 24k Plus Card.
To know more about the micro savings product click here

move to top

Home Loan

Do you need financial assistance on the following?

  • Construction or Renovation
  • Purchase of house and/or Lot
  • Refinancing or Take-Out

Maximum loanUp to 80% of the Total Contract Price or Appraised Value
Loan TermUp to 3 years to pay
Interest Rate As low as 6.5% per annum, interest to be applied shall be based on the prevailing rate of time of draw down or repricing

Home to Cash Loan

Rebuilding your home? Get the cash you need by using your home as collateral!

Loan up to 40 percent of your property’s value. For example, if you have a Php 1,000,000 property, you can loan up to Php 400,000, and pay as low as Php 14, 603 per month for 36 months.

Auto Loan

Owning your dream car is now made easier! You can loan up to 70 percent of your car’s value.

For a Php 400,000 vehicle, we can finance up to Php 240,000! Pay as low as P8,600 per month in 36 installments!

Tsikot to Cash Loan

Need funds to fix your car? Then use it as collateral for your car loan!

If your car is five years or below, you can loan for as much as 40 percent of its value. For example, for a P400,000 vehicle value, you can loan up to P160,000 where you can pay P14,822 per month in 12 installments.

Employee Salary Loan

To provide maximum financial benefits for employees in need, this hassle-free loan application and loan payment type that is exclusively offered to all regular employees of the PJ Lhuillier Group of Companies nationwide.

Agricultural Loan

Specially designed for small-scale agricultural businesses, this loan offers financial support for farmers to increase their resources and expertise. It includes special terms and conditions suitable for small farmers.

Microfinance Loan

Helping micro business:

  • Increase Inventory of Goods Being Sold
  • Support Day-to-Day Operation
  • Other Business Expenses
  • Up to Php 3000,00 loan Amount
  • Up to 1 year to pay
  • 3% Add-ON-Rate per month
  • Auto-Debit or Post-Dated Checks
  • No Collateral

For purpose of:

  • Business Expansion
  • Acquisition of Property
  • Purchase of Machinery or Equipment

Maximum loanPhp 15,000,000
Loan TermUp to 5 years to pay
Interest rate7% per annum
Payment ArrangementPost-Dated Check
With Collateral

Motorcycle Loan


  • Exclusive to Japanese Brands
  • Below php 184,999 SRP

Minimum Down paymentAs low as 5%
Interest Rate2.50% add on/month
Payment Term: Up to 36 months
Payment ArrangementAuto-Debit via Cebuana Microsavings

Medium Bike

  • All Brands excepts Chinese Brand
  • Php 185, 000 to Php 249, 999 SRP

Minimum Down paymentAs low as 18%
Interest Rate1.75% on/month
Payment Term: Up to 36 months
Payment ArrangementAuto-Debit via Cebuana Microsavings or Pst-Dated Checks

Big Bike

  • All Brands excepts Chinese Brand
  • Php 250,000 and above

Minimum Down paymentAs low as 20%
Interest Rate0.83% on/month
Payment TermUp to 36 months or 10%/p.a.
Payment ArrangementPDC

move to top


Bacoor  Branch

(046) 417-3366

(02) 8542-8272

Shoretel: (02) 7759-9888 loc. 2185

Smart/TNT/Sun: 0908-968-4018

Globe/ TM: 0977-467-0214

160 Zapote Road, Zapote I, Bacoor City, Cavite


Jupiter Branch

Shoretel: (02) 7759-9888 loc. 2189

PLDT: (02) 8283-5912

Globe: (02) 7759-9815

GF NCVI Bldg., 156 Jupiter St., Makati City


Calatagan Branch

(043) 417-3694

Brgy. Tanagan, Calatagan, Batangas


Branch-Lite (MBO-Imus)

(046) 474-0100

Aguinaldo Hi-way corner Tanzang Luma, Imus City, Cavite


Branch-Lite (MBO-Nasugbu)

(043) 416-0020

Alix Street, Brgy. 3, Nasugbu, Batangas


move to top

Remedios Pornellosa

Remedios Pornillosa wanted to expand her business, but, her age prevented her from applying for a loan from other banks. With Cebuana Lhuillier Bank, she was able to apply for a loan worth P6,208 with initial savings of P1440. Her business grew and she was able to loan P25,000 for the fifth time. She used the money to buy an additional freezer. She took advantage of the El Nino and sold ice and ice water. Ice and Ice water gave her additional P300-400 in sales. The profits she gained helps her and her family pay for their different bills and weekly amortizations. Through her added income, she was also able to send her son to college again. Her son stopped going to school due to financial setbacks.
Remedios has been a Microfinance member since September 1, 2008 and a former client of the Micro MABS, where she was able to apply for a two-cycle loan worth P150,000. She is a loyal customer of Cebuana Lhuiller Pawnshop and Pera Padala.

Reynaldo Saquilayan

Reynaldo Saquilayan spent 20 years as an Air Traffic Controller in Dubai. He was able to save enough money to buy several properties in the country. He had no steady source of income when he retired. He returned to the Philippines with the intention of constructing a commercial building; but, his money was not enough. He applied for a loan in Cebuana Lhuillier Bank.
To this day, Reynaldo is thankful to CLB for providing him the means to build his five-door commercial building, which he rents out businesses. With Cebuana Lhuillier Bank, Reynaldo now has a stable source of income in his retirement age.

move to top

            • 1.1. DEFINITIONS
              • Cebuana Lhuillier Rural Bank (“CLRB” or the
                “Bank”) – A rural bank duly registered with the Bangko Sentral ng Pilipinas (BSP)
                and licensed as an Electronic Banking and Electronic Money Issuer.
              • Cebuana Lhuillier Pawnshop (or “Cash Agent”)
                – is the accredited 3rd party service provider of the CLRB.
              • Deposit Account – This refers to interest-
                or non-interest-bearing deposits which are withdrawable upon demand thru available
                bank channels.
              • Micro Savings Account – refers to an interest
                bearing deposit which is linked to the 24k Cebuana Card or other proprietary card
                that may be issued by CLRB which may be accessed thru its channels such as but not
                limited to Cash Agents. Should the Client exceed the maximum balance of PHP50,000.00,
                the Bank shall convert the basic deposit account to a regular deposit account thus
                the terms and conditions for regular deposit accounts shall apply.
              • e-Money Account – An account that stores Philippine
                Peso (Php) value which resides in the e-Money system. It may be linked to the Account
                Holder’s electronic device such as mobile phone and which may be evidenced by a
                physical 24k Cebuana Card or other proprietary card that may be issued by CLRB
              • Know Your Customer (KYC) – is a process to
                establish the full identity of individuals looking to transact with a financial
                firm, which is usually done by requiring identification cards from a client as required
                by the Bangko Sentral ng Pilipinas (BSP).
              • Personal Identification Number (PIN) – a personalized
                digit code used to access the account and make transactions.
              • Cebuana Lhuillier 24K Card (or “24k Card”)
                – a valid and unexpired rewards card issued by a Cebuana Lhuillier Pawnshop or Cebuana
                Lhuillier PeraPadala outlet to qualified clients who become entitled to exclusive
                privileges, discounts, freebies, and special service offerings. It is non-transferable
                and must be presented only by bonafidecardholders
            • 1.2 THE AGREEMENT – This Agreement governs the relationship
              between the Client and the Bank.. The Bank may enact, modify or amend these terms
              and conditions, from time to time, as are customary in the conduct of the banking
              business or are in its judgment necessary for the protection of the Client and the
            • 1.3 CLIENT INFORMATION –The Client hereby warrants
              that all information pertaining to his/her identity and personal circumstances are
              true and correct. The Client hereby allows the Bank to verify said information.
              Further, the Client confirms, declares and acknowledges that the mobile phone number
              and e-mail address provided to CLRB are owned/under the control of the Client and
              that, any communication made from and to the said mobile number and/or e-mail address
              shall be automatically treated by CLRB to be directly coming from the Client, unless
              otherwise advised in writing. The Client shall update, whenever required by the
              Bank, information provided during account opening, such as address, mobile phone
              number and email address and shall notify the Bank immediately, in writing, of any
              change in his/her contact details and information. The Bank shall hold these details
              as true and complete in the event that no update is given unless otherwise advised
              in writing.
            • 1.4 RECORD OF TRANSACTIONS – The Client is responsible
              for verifying the e-Money and/or Deposit transaction history details and records
              to make sure that there are no unauthorized transactions. The Client should likewise
              review and reconcile transaction records/details for any errors or unauthorized
              transactions promptly and thoroughly.
            • 1.5 ACCOUNT AND CARD SECURITY – The Client shall
              be responsible for the security of his/her 24K Card or other proprietary card that
              may be issued by CLRB and for the maintenance of his/her PIN and/or online password.
              The Client acknowledges that his/her PIN and/or password are known only by him/her,
              and not by anyone else, nor by the Bank or the Cash Agent. The Client shall be responsible
              for all transactions processed through the use of the 24K Card (or other proprietary
              card issued by the Bank) and the PIN and/or password whether or not the transactions
              were made with the Client’s knowledge or authority. The Client shall hold the Bank,
              the Cash Agent, its officers and employees free and harmless from any and all losses,
              damages, or liabilities incurred or suffered in connection with the Client’s disclosure
              of his/her PIN and/or password. In case the 24K Card or other proprietary card is
              lost, stolen or destroyed, the Client agrees to immediately notify the Bank by calling
              Cebuana CARES Hotlines of such loss within twenty-four (24) hours, via telephone
              from 9am-6pm, Monday to Sunday or submit a written report to any Cebuana Lhuillier
              branch. All activities and transactions made thru the use of the 24K Card or other
              proprietary card prior to the report of the loss shall continue to be the liability
              of the Client.
            • 1.6 REFERENCE NUMBER – Each successful transaction
              shall be evidenced by a system-generated Reference Number, which shall be transmitted
              to the Client’s enrolled mobile number, e-mail address or validation form, whichever
              is applicable, for records purposes.
            • 1.7 TRANSACTION DATE – The Bank will effect the
              Client’s transactions provided there are sufficient cash value available in the
              Client’s deposit or e-money account. It is the responsibility of the Client to ensure
              that sufficient cash or cash value are available in the Client’s deposit or e-money
              account at all times to cover any of the transactions, immediate or scheduled, and
              that the 24k Card or other proprietary card is active. Any charges or penalties
              as a result of an unsuccessful transaction due to insufficiency of cash or cash
              value or cancelled card will be the sole responsibility of the Client and shall
              be for the account of the Client.
              ACCOUNT FEATURES
              – CLRB reserves the right to add, discontinue or deactivate
              features or functions upon sixty (60) calendar daysnotice to the Client through
              SMS and/or email.
            • 1.9 TERMINATION/SUSPENSION OF ACCOUNT – The Client
              may request CLRB to terminate or suspend the Deposit/e-Money account by submitting
              a written request to the Cebuana CARES or any Cebuana Lhuillier Pawnshop branches.
              The Client shall remain responsible for any transactions made on the account until
              the time of termination or suspension of the use of the card. The Bank also reserves
              the right to terminate or suspend the Client’s use of the card or close the account
              at any time with or without prior notice, and in any of the following instances:
              a) discovery of any form of fraud; b) violation of any of the provisions of the
              terms and conditions and rules and regulations of CLRB supplementary thereto; and
              c) other grounds warranted by law. The Bank is authorized to report such termination,
              suspension or closure to the BSP or to any monitoring body of the BSP. The Client
              shall hold the Bank free and harmless from all liabilities, claims and demands arising
              from the above actions of the Bank.
            • 1.10 DISPUTES ON TRANSACTIONS – The details in the
              Deposit/e-Money Account’s transaction records are presumed true and correct unless
              the Client notifies the Bank thru Cebuana CARES in writing of any disputes thereon
              within fifteen (15) calendar days from the date of transaction. If no dispute is
              reported within said period, all transaction details and records are deemed true
              and correct. Disputed transactions shall only be adjusted once the claim/dispute
              has been properly processed, investigated, and proven to be in favor of the Client.
            • 1.11 EXCLUSION FROM LIABILITY – CLRB makes no warranty,
              express or implied, regarding the performance of this Agreement or the electronic
              banking functionalities or other services offered hereunder. CLRB electronic banking
              service is offered on an “as is” or “asavailable” basis without warranties of any
              kind, except those required by law and other rules and regulation issued by pertinent
              government agencies. CLRB further makes no warranty (1) as to the content, quality
              or accuracy of data or information provided by CLRB hereunder or received or transmitted
              using the electronic banking channels; (2) as to any service or product obtained
              using the electronic banking service; (3) that the electronic banking service will
              be uninterrupted or error-free; or (4) that any particular result or information
              will be obtained. CLRB shall not be liable for any loss, added cost, compensation,
              damage or liability that the Client may incur as a result of any delay, interruption
              or termination of the electronic banking transaction whether caused by administrative
              error, technical, mechanical, electrical or electronic malfunction or any cause
              beyond CLRB’s control (including but not limited to acts of God, labor disputes,
              failure of communication lines, interconnection problems, mobile phone signal/reception
              problems, interference or damage by third parties).
            • 1.12 LIMITATION OF LIABILITY – Subject to the provisions
              herein, if CLRB is found liable for any act or omission for any reason whatsoever,
              the liability of CLRB shall be limited to the amount of the relevant transaction
              or actual damages to the Client, whichever is lesser. CLRB shall not be liable to
              the Client for any indirect, special, exemplary, punitive or consequential loss
              or damages arising from the use of 24k Card or other proprietary card, including
              but not limited to lost opportunities or profit.
            • 1.13 ANTI-MONEY LAUNDERING – The Client warrants
              that he/she is aware of the provision of R.A. No. 9160 (Anti-Money Laundering Act
              of 2001) and acknowledges that his/her account is subject to the provisions of R.A.
              No. 9160, including any and all amendments, rules or regulations pertaining thereto.
              The Client hereby agrees to keep the Bank, its directors, officersand employees
              free and harmless from any and allliabilities for any action taken in compliance
            • 1.14 DATA PRIVACY – The Bank is committed to respecting
              and protecting data privacy rights of the Client as a data subject in accordance
              with R.A. 10173 (“Data Privacy Law of 2012”), its Implementing Rules and Regulations
              and other applicable laws of the Republic of the Philippines. In the course of providing
              services to the Client, CLRB and the Cash Agent may collect information (including
              personal information) relating to the Client, including the transactions, accounts,
              account information or records. For this purpose:

              • The Client agrees that he/she will receive transaction notifications, and be regularly
                updated by the Bank and its subsidiaries and affiliates (hereinafter, “Cebuana Lhuillier
                Group”)of their products and services, and thus understand fully that his/her foregoing
                information will accordingly be shared.
              • The Client understands that the information collected, to be processed and retained
                shall be for the following purposes: client identification; profiling; direct marketing
                and cross-selling of products; and compliance to BSP rules, AMLA and such other
                purposes that may be required or allowed by law. The Client has been informed that
                he/she have the option not to give the foregoing information, in which case he/she
                understands that his/her transaction will not be processed. The client has also
                been informed that he/she can make corrections to any inaccurate or deficient information
                and have the option to withdraw his/her consent prior to the processing of his/her
                transaction by emailing Cebuana Lhuillier at
                [email protected]
                or calling Telephone Numbers: (02) 7759-9800/(02) 8779-9800
              • Any Concerns about Data Privacy can be reported by the Client to
                [email protected]
                . Client is encouraged to visit to know more about R.A. 10173.
              • The Client hereby certifies that the information provided to the Bank are freely
                and voluntarily given and are true and correct to the best of his/her knowledge.
                Further, the Client hereby authorizes the Bank and the Cebuana Lhuillier Group to
                disclose to its partners, agents or other clients his/her above information to aid
                in any and all investigations that may be initiated on account of, or in relation
                to any concerns that may arise out of this transaction.
            • 1.15 DISCLOSURE OF INFORMATION – The Client acknowledges
              that the Philippine government, United States government and governments of other
              foreign jurisdictions where transactions pertaining to his/her account may transpire,
              may require the Bank, its branches and agencies, and the Cebuana Lhuillier Group
              to disclose or produce information concerning his/her account. For this purpose,
              the Client hereby waives his/her rights under R.A. 1405 (Law on Secrecy of Bank
              Deposits), R.A. 6426 (Foreign Currency Deposit Act of the Philippines), R.A. 8791
              (General Banking Law of 2000), or any other pertinent law or regulation, as the
              same may be amended from time to time, and hereby authorizes the Bank, its branches
              and agencies, and all of the Bank’s subsidiaries or affiliates, without prior notice
              to the Client, to make any and all disclosure of information regarding the account
              as may be required. The Client hereby holds the Bank, its directors, officers, employees
              and other duly authorized representatives free and harmless against any and all
              liability arising from any loss or damage which the Client may incur or suffer as
              a result of such disclosure.
          • 1.16 CONSENT TO SHARE INFORMATION – For the purposes
            of (a) sales and marketing activities, cross-referencing, status inquiry, cross-selling
            or the offering of the various products and services of the Bank and the Cebuana
            Lhuillier Group, including but not limited to, credit opinion and evaluation by
            and for an entity belonging to the Cebuana Lhuillier Group, or application for insurance
            products with an insurance company within Cebuana Lhuillier Group; (b) compliance
            with legal, regulatory or other contractual obligations of the Bank; and (c) providing
            efficient services, the Client hereby gives its consent to, and authorizes the Bank
            to process, obtain, collect, record, organize, store, update, modify, use, access
            and/or share/disclose within the Cebuana Lhuillier Group and third party service
            providers, with corresponding duty to keep such information confidential, without
            prior notice to the Client, relevant account information/data/opinion pertaining
            to the Client, including but not limited to personal circumstances, privileged information,
            sensitive personal information, account opening, account balances, transaction history,
            promo subscription, redemption records and any and all other information pertaining
            to all account/s now existing or which may hereafter to be opened, which authorization
            shall constitute a consent and shall exempt the Bank and/or the Cebuana Lhuillier
            Group from liability under any and all bank deposit secrecy laws, including but
            not limited to, R.A. 1405 or The Law on Secrecy of Bank Deposits, R.A. 6426 or The
            Foreign Currency Deposit Act and R.A. 8791 or The General Banking Law, as well as
            R.A. 10173 or the Data Privacy Act of 2012 and other confidentiality laws enforced
            or which may hereinafter enforced. The absence of any written notice to the contrary
            shall be deemed by the Bank as the Client’s continuing consent under the bank secrecy,
            privacy and confidentiality laws, as abovementioned. The Client shall notify the
            branch in writing if he /she wishes to withdraw the consent to the sharing of information
            provided herein.
        • 2. FOR E-MONEY ACCOUNT:
            • 2.1 PRODUCT FEATURES/ TRANSACTIONS – The 24K Card,
              as an e-Money instrument, is re-loadable. The e-Money may only be redeemed at face
              value. It shall not earn interest or rewards and other similar incentives convertible
              to cash, nor be purchased at a discount. Further, e-Money is not considered a deposit
              account hence, it is not insured with the Philippine Deposit Insurance Corporation
              (PDIC). The e-Money is subject to aggregate monthly load limit of One Hundred Thousand
              Pesos (Php100,000.00) unless a higher amount has been approved by the Bangko Sentral
              ng Pilipinas (BSP).
          • 2.2 FEES, RATES AND OTHER CHARGES –The Client agrees
            to pay applicable fees and charges related to the e-Money Account linked to a24K
            Card or proprietary card that may be issued by the Bank and its use, such as but
            not limited to, remittance, processing, load and encashment fees. Such fees and
            or charges shall be inclusive of Philippine taxes and shall be debited from the
            e-Money cash value or paid upfront without further notice. Applicable fees may be
            found at the Bank’s website
            • 3.1 PRODUCT FEATURES/ TRANSACTIONS – Deposits and
              withdrawals shall be made by the depositor and must be secured by the 24K Card or
              other proprietary card issued by CLRB. The Client agrees that no deposit and/or
              withdrawal shall be made in the absence of the 24K Card or proprietary card issued
              by CLRB. The Bank may impose or change transaction and card balance limits at its
              option pursuant to applicable to laws, subject to thirty (30) days prior notice
              to Depositor.Deposits are insured with Philippine Deposit Insurance Company (PDIC)
              for up to the maximum amount of Five Hundred Thousand Pesos (Php500,000.00).
            • 3.2 FEES, RATES AND OTHER CHARGES – The Client agrees
              to pay applicable fees and charges related to Micro Savings and other deposit accounts
              which may or may not be linked to 24K Card or other proprietary card issued by CLRB
              and its use, such as but not limited to withdrawal. Such fees and or charges shall
              be inclusive of Philippine taxes and shall be debited from the Depositor’s account
              or paid upfront without further notice. Applicable fees may be found at the Bank’s
            • 3.3 INTEREST – The interest rate on Savings Deposit
              shall be computed on the basis of average daily balance provided the required minimum
              balance for the day, if there is any interest earned shall be credited on a monthly
              basis.A 20% withholding tax shall be withheld and deducted by the Bank from the
              interest income on savings deposit (P.D. 1994).
          • 3.4 TRANSACTION HISTORY STATEMENT – A Statement
            of Account bearing all of the transactions for this account shall be made available
            by the Bank. The Client agrees to receive it through his/her nominated email address
            and/or may be requested thru SMS.
          • 4.1 CLIENT SUPPORT – The Bank is regulated by the
            BangkoSentralngPilipinas (BSP). For any issues, concerns, clarifications, complaints
            or inquiries, the Client may contact the Bank through Cebuana CARES Hotlines via
            the following:
          • Phone      : (02) 7759-9800/(02) 8779-9800
          • SMS        : 0917-81CARES (22737) GLOBE / 0918-81 CARES (22737)
          • SMARTEmail      : [email protected]Address  : 5/F PJL Corporate Center – Annex II, 1782 Nicanor Garcia corner
            CandelariaSts., Brgy. Valenzuela, Makati City 1208
          • 4.2 AMENDMENTS – The Bank, may at any time and for
            reasons it may deem proper, amend, revise or modify these Terms and Conditions.
            Any such amendment, revision or modification shall bind the Client upon notice (personal
            or by publication, through posting in the Bank’s website or the Bank’s or Cash Agent’s
            premises). If the Client does not agree with the new/revised terms and conditions,
            he/she shall notify the Bank to terminate the agreementwithin thirty (30) days from
            receipt of the individual notice or thirty (30) days from issuance of public notice.
            Failure to notify the Bank within the prescribed period shall be construed as acceptance
            by the Client of any such amendments, revisions or modifications.
          • 4.3 NOTICE – All communications and notices required
            to be given to the Client shall be transmitted by SMS and/or electronic mail to
            his mobile cellphone number and/or email addressappearing in the Account Opening
            documents or at such other mobile phone number and/or email address that may hereafter
            be given in writing by the Client to the Bank.
          • 4.4 BINDING EFFECT – These Terms and Conditions
            are binding on the Client and his/her heirs, executors, administrators and assigns.
          • 4.5 GOVERNING LAW – These Terms and Conditions shall
            be governed by and construed in accordance with the laws of the Republic of the
            Philippines. Any dispute arising hereunder shall be submitted to the exclusive jurisdiction
            of the proper courts of Bacoor, Cavite.

move to top