1. What is Micro Savings Account?

• It is an interest-bearing savings account owned by Cebuana Lhuillier Rural Bank (CLRB). It is a basic deposit type of account that allows client to save up to Php 50,000.00. The account is linked via 24K Quick Card or 24K UnionPay Debit Card.

2. What are the requirements?

• Requirements are as follows:
  
  
  1. Active 24K Quick Card or 24K UnionPay Debit Card
  2. Accomplished Client Information Sheet (CIS)
  3. 1 valid ID
  4. Face Image of the client (Captured within branch premise)
  5. Accomplished Remittance Payment Form
  6. Initial Deposit – Php 50.00
• Additional requirement:
  • Purchase of the 24K UnionPay Debit Card – Php 150.00
  • Or Upgrade of 24K Quick Card to 24K UnionPay Debit Card – Php 75.00*
  
  *Promo rate may change until further notice

3. What are the acceptable valid IDs?

• Passport
• Driver’s License
• Professional Regulation Commission(PRC)ID
• National Bureau of Investigation (NBI)Clearance
• Police Clearance
• Postal ID
• Voter’s ID
• Government Service Insurance System (GSIS) e-Card
• Social Security System (SSS) ID
• Senior Citizen’s ID
• Overseas Workers Welfare Administration (OWWA) ID
• OFW ID
• Seaman’s Book
• Alien Certification of Registration (ACR)
• Barangay Certificate or ID (with picture and signature)
• Birth Certificate (applicable to minors only)
• Firearm License
• Immigrant Certificate of Registration
• Marriage License
• National Council for the Welfare of Disabled Persons
• New TIN ID
• PhilSys ID/ National ID
• PhilHealth ID
• Student ID
• Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
• Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFPID,HDMF (Pag-ibig Fund)ID, etc.
• Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
• Department of Social Welfare and Development(DSWD)Certification
• Integrated Bar of the Philippines ID (IBP)
• Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas),SEC(Securities and Exchange Commission) or IC (Insurance Commission)

4. What is the minimum amount to open an account?

• Php50.00

5. What is the allowed minimum and maximum amount of withdrawal?

For DEPOSIT:
Minimum Amount: PhP50.00
Maximum Amount: No maximum limit.

For WITHDRAWAL:

• Bank Branch
• Accredited Cash Agents via POS Terminals
Minimum of Php100.00
Maximum amount per withdrawal transaction is Php 5,000.00


• Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
Maximum Amount per withdrawal is Php10,000.00

6. What is the maximum number of withdrawals per day?

• Bank Branch
• Accredited Cash Agents via POS Terminals
Maximum frequency per day is ten times (10) or total withdrawal amount per day is Php15,000.00 whichever comes first.


• Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
Maximum Frequency per day is ten times (10) or maximum total withdrawal amount per day is Php 40,000.00 whichever comes first.

7. How much are the transaction fees?

• Bank Branch
• Accredited Cash Agents via POS Terminals
Currently Php 0 for Deposit and Withdrawal
(Announcement will be sent 60 days prior to implementation of such fees)


• Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
Varies depending on the Acquirer

8. What is the minimum requirement to earn interest?

• Average Daily Balance (ADB) Php 500.00

9. What is the interest rate per annum of Micro Savings?

• 0.20% per annum

10. What is the required maintaining balance?

• None.

11. Is there a maximum limit on the outstanding balance?

• Yes, maximum limit is Php 50,000.00

12. How long before an account is dormant?

• No dormancy.

13. How long should I wait for my card to be activated?

• Card activation takes 24 to 48 hrs.

14. Can I deposit/withdraw if the Micro Savings Account was opened on another branch?

• Yes.

15. Since 24K Quick Card and 24K UnionPay Debit Card is required to open the account, will it earn points for every deposit?

• No, points will be earned from Account Opening transaction only.

16. Can I process deposit/withdrawal even without 24K Quick Card or 24K UnionPay Debit Card?

• No.

17. Can multiple accounts be opened?

• No.

18. Can a non-account holder deposit/ withdraw on behalf of the account holder?

• Yes, as long as you have an authorization letter from the account holder, the 24K Quick Card or 24K UnionPay Debit Card and PIN code.

19. Can 24K Quick Card or 24K UnionPay Debit Card be accepted in other Bank ATMs?

• No. 24K Quick Card can only be used through the PIN Pad deployed in Cebuana Lhuillier Pawnshop Branches.
• Yes. 24K UnionPay Debit Card can be used in BancNet accredited POS and ATMs.

20. What is SMS Syntax?

• SMS Syntax is a self-service facility for account holders to send requests related to Micro Savings Account or 24K Quick Card and 24K UnionPay Debit Card.

21. What are the conditions of the SMS Syntax Services?

• Each SMS request has a maximum limit of three (3) requests per month.
• To avail the SMS Self-service Facility, client should use his/her registered mobile number in the system.
• In case the mobile number is not updated, client may file a bank request for Account Maintenance in the branch for updating of mobile number in the system. Please DO NOT process update of mobile number as PIN Reset.

22. What are the requests available in the SMS Syntax Service?

• Type of request:
  • PIN Reset: RESETPIN
  • Account Unblocking: UNBLOCK
  • Card Blocking: LOSTCARD
  • Balance Inquiry: BAL
  • Transaction History Inquiry: HIS
  • Account Number Inquiry: ACTNO

23. How do I send request in the SMS Syntax Service?

• • GLOBE:    0917 808 8793
  • SMART:   0908 880 2930
  • SUN:        0932 842 8562

24. Who can I contact for other concerns and inquiries?

1. What is Cebuana Savings?

• It is an interest-bearing savings account product owned by Cebuana Lhuillier Rural Bank. It is a regular savings type of account that has no maximum limit in outstanding balance and can be accessed via 24K Quick Card or 24K UnionPay Debit Card.

2. Who are qualified to apply for a Cebuana Savings?

• All Micro Savings Account holders who have exceeded the maximum outstanding balance shall be automatically upgraded to Cebuana Savings Account.
• Micro Savings Account holders who are expected to exceed the MSA outstanding balance may voluntarily upgrade their account to Cebuana Savings.

3. What are the requirements?

• Requirements are as follows:
  1. Active 24K Quick Card or 24K UnionPay Debit Card
  2. Accomplished Client Information Sheet (CIS)
  3. 1 valid ID
  4. Face Image of the client (Captured within branch premise)
  5. Accomplished Remittance Payment Form – doesn’t need to accomplish an RPF if no deposit
  6. No Initial Deposit
• Additional requirement:
  • Purchase of the 24K UnionPay Debit Card – Php 150.00
  • Or Upgrade of 24K Quick Card to 24K UnionPay Debit Card – Php 75.00*
  
  *Promo rate may change until further notice

4. What are the acceptable valid IDs?

• Passport
• Driver’s License
• Professional Regulation Commission (PRC) ID
• National Bureau of Investigation (NBI) Clearance
• Police Clearance
• Postal ID
• Voter’s ID
• Government Service Insurance System (GSIS) e-Card
• Social Security System (SSS) ID
• Senior Citizen’s ID
• Overseas Workers Welfare Administration (OWWA) ID
• OFW ID
• Seaman’s Book
• Alien Certification of Registration (ACR)
• Barangay Certificate or ID ( with picture and signature)
• Birth Certificate ( applicable to minors only )
• Firearm License
• Immigrant Certificate of Registration
• Marriage License
• National Council for the Welfare of Disabled Persons
• New TIN ID
• PhilSys ID / National ID
• PhilHealth ID
• Student ID
• Alien Certification of Registration (ACR) /Immigrant Certificate of Registration
• Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFPID,HDMF (Pag-ibig Fund) ID ,etc.
• Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
• Department of Social Welfare and Development (DSWD) Certification
• Integrated Bar of the Philippines ID (IBP)
• Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

5. Will I be charged if I upgrade my account to Cebuana Savings?

• No. Upgrade is free of charge.

6. Will my account number be changed?

• Yes. You will receive a message from CEBUANABANK SMS ID containing your new account number

7. Will my card change when my account is upgraded to Cebuana Savings?

• No, the upgraded account will be linked to the existing card (24K Quick Card or 24K UnionPay Debit Card)

8. How long should I wait for my card to be activated?

• Card activation takes 24 to 48 hrs.

9. What is the minimum and maximum amount of deposit?

Minimum Amount: PhP50.00
Maximum Amount: No maximum limit.

10. What is the allowed minimum and maximum amount of withdrawal?

• Bank Branch
• Accredited Cash Agents via POS Terminals
Minimum of Php100.00
Maximum amount per withdrawal transaction is Php 5,000.00


• Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
Maximum Amount per withdrawal is Php10,000.00

11. What is the maximum withdrawal amount and maximum number of withdrawal per day on Cebuana Lhuillier Pawnshop and Cebuana Lhuillier Rural Bank Branches?

• Bank Branch
• Accredited Cash Agents via POS Terminals
Maximum Frequency per day is ten times (10) or total withdrawal amount per day is Php30,000.00 whichever comes first.


• Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
Maximum Frequency per day is ten times (10) or maximum total withdrawal amount per day is Php40,000.00 whichever comes first.

12. Is there a maintaining balance for Cebuana Savings?

• Yes, minimum of Php 1,000.00

13. What if I fall below the required maintaining balance?

• There is a Php 200.00 fee per month if you will fall below the required maintaining balance.

14. How much are the transaction fees?

• Bank Branch
• Accredited Cash Agents via POS Terminals
Currently Php 0 for Deposit and Withdrawal(Announcement will be sent 60 days prior to implementation of such fees)


• Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
Varies depending on the Acquirer

15. What is the interest rate?

• 0.50% per annum

16. What is the required Average Daily Balance (ADB) to earn interest?

• Minimum Php 5,000.00

17. What is Dormancy fee?

• It is a fee charged to the account with no activity or without client-initiated transactions performed in the last two (2) years. Charging of such fee is on a per month basis.

18. How much is the dormancy fee?

• Php 30.00 per month after two (2) years without client-initiated transaction.

19. Can I down grade my Cebuana Savings account?

• No.

20. What happens after the Upgrade?

• You will receive two (2) SMS notifications from CEBUANABANK SMS ID containing your New Account Number, Outstanding Balance, and Instruction to Activate Your Card.

21. What should I do with the temporary PIN?

• Immediately change it and assign new PIN

22. What is SMS Syntax?

• SMS Syntax is a self-service facility for account holders to send requests related to Micro Savings Account or 24K Quick Card and 24K UnionPay Debit Card.

23. What are the conditions of the SMS Syntax Services?

• Each SMS request has a maximum limit of three (3) requests per month.
• To avail the SMS Self-service Facility, client should use his/her registered mobile number in the system.
• In case the mobile number is not updated, client may file a bank request for Account Maintenance in the branch for updating of mobile number in the system. Please DO NOT process update of mobile number as PIN Reset.

24. What are the requests available in the SMS Syntax Service?

• Type of request:
  • PIN Reset: RESETPIN
  • Account Unblocking: UNBLOCK
  • Card Blocking: LOSTCARD
  • Balance Inquiry: BAL
  • Transaction History Inquiry: HIS
  • Account Number Inquiry: ACTNO

25. How do I send request in the SMS Syntax Service?

• • GLOBE:    0917 808 8793
  • SMART:   0908 880 2930
  • SUN:        0932 842 8562

26. Who can I contact for other concerns and inquiries?

1. How can I get eCebuana mobile App?

• Step 1: Go to Google Play Store or Apple App Store
• Step 2: Search “eCebuana”
• Step 3: Download the app and install it on your device

2. What are the features available in eCebuana mobile App?

• View your account balance View your transaction history
• Send Money to Other Micro Savings or Cebuana Savings accounts
• Send Money to Other Banks (via InstaPay)
• Send Money to Other Banks (via QR code)
• Send Money to Any Cebuana Lhuillier Branch (Cash pickup)
• Purchase Load
• Pay your bills to over 50 merchants
• Receive Money from international remittance partners
• Payment to merchant via QR code

3. What username and password should I use?

• For new users: You will need to register an account via App or visit any Cebuana branches.
• Existing account holders: You can use your existing eCebuana username and password to log in.

4. Will eCebuana App work even in overseas?

5. How can I activate login via Fingerprint authentication?

6. Is there a fee in using the eCebuana app?

7. Is using the eCebuana app safe?

8. What is my transaction PIN?

9. How can I transfer money with my app?

• Send Money to Any Cebuana Lhuillier Branch Generate a Domestic Remittance from your Micro Savings Account which can be picked up at any Cebuana Lhuillier Branch and Agent nationwide.
• Send Money to Other Micro Savings Account You can now send money to anyone with a Micro Savings Account. Just input the 12 digit Micro Savings Account Number of your intended recipient.
• Send Money to Other Banks via InstaPay You can now send money to other Banks via InstaPay, whenever, wherever. If you’re regularly transferring money to someone, it is recommended that you enroll the recipient’s account.
• Send Money to Other Banks via QR Code You can now send money to other Banks via QR code, whenever, wherever. If you’re regularly transferring money to someone, it is recommended that you enroll the recipient’s account.

10. Are there maximum transaction limits to transfer??

11. Is there a limit as to how many times I can transfer?

12. Who can I contact for other concerns and inquiries?

• Globe – 0917-8122737
• Smart – 0918-8122737
• *Text only. No voice calls.

• 0917-8122737
• *Text only. No voice calls.

• PLDT – (02) 8779-9800
• Globelines – (02) 7759-9800