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Text Content

* Locations
* Online Banking Log-in
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* Home
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MICRO SAVINGS

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

* Deposits
* Micro Savings
* Cebuana Savings
* Regular Savings
* Checking
* Time Deposit

MICRO SAVINGS

Gumawa ng small steps sa ipon goals mo with Cebuana Lhuillier Rural Bank’s Micro
Savings.

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I-unlock mo na ang potential ng ipon mo with Cebuana Lhuillier Rural Bank’s
Micro Savings.

Now powered with a Debit Card, you are ready for any situation or transaction.
Withdraw your cash at any of the 21,000 BancNet ATM’s, cashless payment in over
360,000 BancNet and UnionPay partner stores, or pay your bills online with the
eCebuana App!

One (1) Valid Id

PhP50.00 Initial Deposit

No Maintaining Balance

Product Details

Interest Rate Per Annum 0.20% Minimum Maintaining Balance None Minimum Balance
to Earn Interest Php 500 Dormancy Period None Maximum Account Balance Php 50,000
Deposit Amount Min. Php 50;
Max Php 50,000

Withdrawal Amount via Cash Agent
Min. Php 100;
Max. Php 5,000
per transaction

via other Bank ATMs
Min. Php 100;
Max. Php 10,000
per transaction Deposit Fee FREE Number of Allowed Withdrawals Per Day 3
Withdrawal Fee via Cash Agent
May be subject to rates

via other Bank ATMs
Varies depending on the Acquirer 24K Union Pay Debit Card Fee (Replacement) Php
150

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Requirements

1. Customer Information Sheet
2. One (1) Valid Government ID (See list of valid IDs)
3. P50.00 Initial Deposit

Steps on Opening a Micro Savings Account

1. Pumunta sa alinman sa 2,500 Cebuana Lhuillier Branches or Cebuana Bank
branch na malapit sa inyo (for more information please view our Branch
Locator).
2. Mag fill-out ng Customer Information Sheet (CIS) at Payment Request Form
(RPF) at magpakita ang 1 Valid I.D. card.
3. Makakatanggap ka ng 2 SMS na naglalaman ng account number, initial deposit
at advisory message.
4. I-activate ang iyong Card sa POS Terminal na matatagpuan sa alinman sa 2,500
Cebuana Lhuillier Branches o Cebuana Lhuillier Rural Bank Branches. Hintayin
ang 24 – 48 hours bago gamitin ang iyong 24K Debit Card at Micro Savings
Account.

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Maari ring magbukas ng Micro Savings gamit ang eCebuana app. Download na!

Scan this QR code

Inquire Now

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CASH AGENT BANKING TERMS AND CONDITIONS

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1. GENERAL PROVISIONS

* 1.1 DEFINITIONS

1. a) Cebuana Lhuillier 24K Card (or “24k Card”) – a valid and
unexpired rewards card issued by a Cebuana Lhuillier Pawnshop or
Cebuana Lhuillier Pera Padala outlet to qualified clients who become
entitled to exclusive privileges, discounts, freebies, and special
service offerings. It is nontransferable and must be presented only by
bonafide cardholders.

2. b) Cebuana Lhuillier Pawnshop (or “Cash Agent”) – is the accredited
3rd party service provider of the CLB.

3. c) Cebuana Lhuillier Bank (“CLB” 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.

4. d) Cebuana Savings Account – This refers to an interest bearing
savings account exclusively offered by CLB to a Micro Savings Account
holder.

5. e) e-Money Account – An account that stores Philippine Peso (Php)
value which resides in the eMoney 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 Card or other proprietary card that may
be issued by CLB

6. f) 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).

7. g) Micro Savings Account – This refers to an interest bearing
deposit account which is anchored under BSP’s Basic Deposit Account.
The Bank has the right to automatically convert any Micro Savings
Account that will exceed the maximum balance (Php50,000.00) set by BSP
for a Basic Deposit Account. Any account that will be converted to a
regular savings account shall bear the features and fees of the
regular savings account which includes but not limited to:

* (1) required maintaining balance

* (2) dormancy period

* (3) required balance to earn interest

* (4) falling below maintaining balance fee

* (5) dormancy fee.

8. h) Personal Identification Number (PIN) – A personalized digit/
access code known to the accountholder only, that is used to access
the account and make an authenticated transaction

* 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 Bank.

* 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 electronic-mail address provided to CLB are owned/under
the control of the Client and that, any communication/ announcement made
by the Bank to the mobile phone number and electronic mail address will be
the primary form of communicating any announcement. Any feedback or
communication from the said mobile number and/or e-mail address shall be
automatically treated by CLB to be directly coming from the Client, unless
otherwise advised in writing. The Client shall, whenever required by the
Bank, update 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
Deposit Transaction and/ or e-Money 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 CLB 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 emoney 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.

* 1.8 ACTIVATION AND DE-ACTIVATION OF DEPOSIT / E-MONEY ACCOUNT FEATURES –
CLB reserves the right to add, discontinue or deactivate features or
functions upon sixty (60) calendar days notice to the Client (personal or
by publication, through posting in the Bank’s website or the Bank’s or
Cash Agent’s premises)

* 1.9 CLOSING/SUSPENSION OF ACCOUNT/CAR – The Client may request CLB 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 CLB 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, its directors, officers and
employees 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 – CLB makes no warranty, express or implied,
regarding the performance of this Agreement or the electronic banking
functionalities or other services offered hereunder. CLB electronic
banking service is offered on an “as is” or “as available” basis without
warranties of any kind, except those required by law and other rules and
regulation issued by pertinent government agencies. CLB further makes no
warranty (1) as to the content, quality or accuracy of data or information
provided by CLB 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. CLB 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 CLB’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 CLB is
found liable for any act or omission for any reason whatsoever, the
liability of CLB shall be limited to the amount of the relevant
transaction or actual damages to the Client, whichever is lesser. CLB
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,
officers and employees free and harmless from any and all liabilities for
any action taken in compliance therewith.

* 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, CLB 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 cebuanacares@pjlhuillier.com or calling
Telephone Numbers +632 8779-9800 PLDT/ +632 77599800 GLOBELINES.

* Any Concerns about Data Privacy can be reported by the Client to
infoprivacy@pjlhuillier.com. Client is encouraged to visit
https://privacy.gov.ph 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 P.J. 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 a 24K 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
https://www.cebuanalhuillierbank.com/

3. FOR MICRO SAVINGS ACCOUNT:

* 3.1 PRODUCT FEATURES/TRANSACTIONS– The 24k Card, as a Micro Savings
Instrument, is an interest bearing deposit account which is linked to the
Cebuana customer’s 24k Card Plus or 4C Card. Micro Savings is a product of
CLB. The Client agrees that no deposit and/or withdrawal shall be made in
the absence of the 24K Card or proprietary card issued by CLB. It is
ensured with the Philippine Deposit Insurance Corporation (PDIC)

* 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
CLB 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 website
https://www.cebuanalhuillierbank.com/

4. FOR CEBUANA SAVINGS ACCOUNT:

* 4.1 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 CLB. The Client agrees that no deposit and/or withdrawal
shall be made in the absence of the 24K Card or proprietary card issued by
CLB. 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).

* 4.2 FEES, RATES AND OTHER CHARGES – A Two Hundred Pesos (Php200.00) shall
be charged to the account if the balance falls below the maintaining
balance of One Thousand Pesos (Php1,000.00). 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 CLB 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 website
https://www.cebuanalhuillierbank.com/

* 4.3 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.

* 4.4 DORMANCY – Account shall be considered dormant if it has been inactive
(no-client initiated transactions) for two (2) years. Account which remain
dormant for ten (10) consecutive years shall be escheated in favor of the
government in accordance with the Unclaimed Balances Law.

* 4.5 PENALTY ON AVERAGE DAILY BALANCE – A monthly penalty charged
prescribed by the Bank shall be imposed on the regular deposit account if
the account fall below the minimum ADB. 4.6 EARLY CLOSURE – A closing fee
shall be charged if the client wishes to close the account within thirty
(30) days from the opening date.

5. 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 twenty
percent (20%) withholding tax shall be withheld and deducted by the Bank
from the interest income on savings deposit (P.D. 1994).

6. MISCELLANOUS PROVISIONS

* 6.1 CLIENT SUPPORT– The Bank is regulated by the Bangko Sentral ng
Pilipinas (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 / 0918-81CARES (22737) SMART Email :
cebuanacares@pjlhuillier.com Address : 5/F PJL Corporate Center – Annex
II, 1782 Nicanor Garcia corner Candelaria Sts., Brgy. Valenzuela, Makati
City 1208.

* 6.2 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 agreement within 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.

* 6.3 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 address appearing 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.

* 6.4 BINDING EFFECT – These Terms and Conditions are binding on the Client
and his/her heirs, executors, administrators and assigns.

* 6.5 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.

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MICRO SAVINGS ACCOUNT FAQS

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* 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?

You may send the different type of requests on the following mobile numbers
below.
* * GLOBE: 0917 808 8793
* SMART: 0908 880 2930
* SUN: 0932 842 8562
Please follow below format:
CLBANK<space>PINRESET<space>Last 4 Digit of Card Number/Birthdate (MMDDYY)
SAMPLE: CLBANK PINRESET 4321/112590

* 24. WHO CAN I CONTACT FOR OTHER CONCERNS AND INQUIRIES?

You may contact our Client Care at the following details below:
Phone: (02) 7759-9800 / (02) 8779-9800
SMS: 0917-8122737 (Globe) / 0918-8122737 (Smart)
Operation Hours: 9:00 a.m. – 6:00 p.m., Monday – Sunday
Email: cebuanacares@pjlhuillier.com

HOME

* I want to Save
* I want to Borrow
* I want to Buy
* Loan Calculator
* EC Money
* eCebuana

ABOUT US

* Who We Are
* History
* Achievements
* Board of Directors
* Privacy Policy
* Terms and Conditions
* Frequently Asked Questions
* Security Tips

DEPOSITS

* Micro Savings
* Cebuana Savings
* Regular Savings
* Checking
* Time Deposit

LOANS

* Home Loan
* Jewelry Loan

* SME Credit Line
* SME Term Loan

CAREERS

* Vacant Positions

* Branch Locator
* Contact Us

For inquiries and concern, please contact;
Phone: (02) 7759-9800 / (02) 8779-9800
SMS: 0917-8122737 (Globe) / 0918-8122737 (Smart)
Operation Hours: 9:00 a.m. - 6:00 p.m., Monday-Sunday
Email: cebuanacares@pjlhuillier.com

Cebuana Lhuillier Bank is regulated by the Bangko Sentral ng Pilipinas (BSP):
http://www.bsp.gov.ph

Deposits are insured by PDIC up to P500,000 per depositor.

A proud member of

LIST OF ACCEPTED GOVERNMENT/ VALID IDS

×
* Passport
* Driver's License
* Professional Regulation Commission (PRC) ID
* National Bureau of Investigation (NBI) Clearance
* Police Clearance
* Postal ID
* Voter's ID
* Philippine Identification (PhilID) card
* 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
* OWWA ID
* Student ID
* Alien Certification of Registration (ACR) / Immigrant Certificate of
Registration
* Government Office or Government Owned and Controlled Corporations (GOCC) ID
(e.g. AFP ID, 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 IDs 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)

SSA TABLE OF RATES

II. Special Savings Account INTEREST RATES per annum AMOUNT/TERM 30-90 Days
91-180 Days 181-365 Days Ave. ₱10,000.00 - ₱499,999.99 0.750% 0.8750% 1.000%
0.875% ₱500,000.00 - ₱999,999.99 0.875% 1.000% 1.125% 1.000% ₱1,000,000.00 -
₱4,999,999.99 1.000% 1.125% 1.250% 1.125% ₱5,000,000.00 - ₱9,999,999.99 1.125%
1.250% 1.375% 1.250% ₱10,000,000.00 Above 1.250% 1.375% 1.500% 1.375%

TABLE OF FEES

SEND MONEY DOMESTIC VIA CASH PICK UP
ON ECEBUANA APPLICATION

FEES WILL APPLY EFFECTIVE MAY 25, 2024

AMOUNT FEE 1-100 ₱1.00 101 - 200 ₱2.00 201 - 300 ₱3.00 301 - 400 ₱4.00 401 - 500
₱5.00 501 - 600 ₱6.00 601 - 700 ₱7.00 701 - 800 ₱8.00 801 - 900 ₱9.00 901 -
1,000 ₱10.00 1,001 - 1,500 ₱15.00 1,501 - 2,000 ₱20.00 2,001 - 2,500 ₱25.00
2,501 - 3,000 ₱30.00 3,001 - 3,500 ₱35.00 3,501 - 4,000 ₱40.00 4,001 - 5,000
₱50.00 5,001 - 6,000 ₱60.00 6,001 - 7,000 ₱70.00 7,001 - 8,000 ₱80.00 8,001 -
9,500 ₱95.00 9,501 - 10,000 ₱100.00 10,001 - 14,000 ₱140.00 14,001 - 15,000
₱150.00 15,001 - 20,000 ₱200.00 20,001 - 30,000 ₱300.00 30,001 - 40,000 ₱400.00
40,001 - 50,000 ₱500.00

NINONG CEB

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