Products and Services

Deposit Products

A host of savings tools are available for our clients. We have savings facilities for young individuals who want to get into the habit of money management and for mature individuals with more sophisticated financial requirements. Our savings deposits and term deposits are made to cater to their specific needs. We offer very competitive interest rates on all our products:

ATM Savings Account

A product that provides convenient withdrawals via our ATM Key Card.

  • Minimum required maintaining balance of only P2,000.00
  • Earns as much as 0.75% per annum
  • ATM Key Card that doubles as debit card
  • Funds can be withdrawn from our own ATMs as well as ATMs of all Megalink-member banks
  • Maximum of Php5,000.00 withdrawal per transaction and up to Php50,000.00 withdrawal per day
  • Fund monitoring via statement of account
  • Easy Access to your funds via our online banking services (soon to be launched)

Savings Passbook

A savings plan with low opening and maintaining balance that provides trouble-free fund monitoring

Savings Passbook
  • Php5,000.00 minimum required maintaining balance
  • With option to have an ATM Key Card that doubles as a Debit Card
  • Earns as much as 0.75% per annum
  • Funds can be withdrawn either over the counter or from our own ATMs as well as ATMs of all Megalink member bank using the ATM Key Card
  • Convenient monitoring of funds via passbook
  • Easy and convenient access to funds via online banking services (soon to be launched)

Regular Checking

A simple and uncomplicated product that manages your payables with the convenience of check issuance.

Regular Checking
  • Php5,000.00 minimum balance for individuals
  • Php10,000.00 minimum required balance for corporations
  • Earns as much as 0.75% per annum
  • Fund monitoring via monthly bank statement
  • Access to our banking centers and electronic services via our ATM, online banking, phone banking and mobile banking (soon to be launched)

Automatic Transfer Account

Product that provides overdraft security via a linked savings account

Equicom Regular Checking
  • Php10,000.00 minimum required balance for individuals
  • P15,000.00 minimum required balance for corporations
  • Linked savings account earns as much as 0.75% per annum
  • Fund monitoring via monthly bank statement
  • Convenient access to our banking centers and electronic banking services (soon to be launched)

Time Deposit

  • Minimum investment of Php10,000.00
  • Interest based on prevailing market rates
  • Minimum term of 30 days; may be automatically rolled over for convenience

Loan Products

SME Business Loan

A multi-purpose credit facility specially designed to provide the financing
requirements of growing businesses and entrepreneurs.

  • Facility: Revolving Credit Line or Term Loan
  • Purpose
    1. For working capital (credit facilities may be in the form of Short Term line, PDC Discounting, Bills Purchase Line, Back to Back loans, Domestic LCTR lines, etc)
    2. For business expansion, equipment acquisition or factory construction
  • Amount: Will depend on the requirement
  • Interest Pricing: Prevailing Interest Rate at time of loan release subject to monthly /quarterly repricing
  • Collateral: Acceptable Real Estate Property

Salary Loan

A collateral-free, multi-purpose installment loan given to qualified employees of accredited companies where payment is made via salary deduction. Equicom Savings Bank (EQB) partners with the accredited company to provide the salary loan benefits to its employees.

  • Loan Amount of up to P 300,000.00
  • Flexible Installment Terms of 12, 18 and 24 months
  • Affordable amortization with special interest rates

Benefits to the accredited company:

  1. The accredited company can utilize its funds for its operations since funding will be provided by EQB
  2. By giving the employees access to funding via salary loans, it increases morale and ultimately, productivity.
  3. The company will not have to do administrative work as processing and release of loans shall be handled by EQB

Personal Loan

A collateral-free, multi-purpose facility for various requirements such as travel expenses, tuition fees, credit card bills, or some other unexpected personal or family need.

  • Loan Amount of up to P 500,000.00
  • Flexible Installment Terms of 12, 18 and 24 months
  • Affordable amortization with special interest rates
  • Payments via post-dated checks

Consumer Housing Loan

A long term credit facility given to qualified individuals to finance acquisition of house and lot, condominium unit, townhouse, residential lot or for house construction , renovation, refinancing, equity or reimbursement of acquisition cost.

  • Loan amount of at least P 300,000
  • Up to a maximum of 60% of appraised value
  • Up to a maximum term of 25 years
  • Interest Pricing: Prevailing Interest Rate at time of loan release
  • Repayment Plan: Level monthly amortization for principal and interest
  • Mode of Payment: Automatic Debit Arrangement; over the counter cash or check payment; PDCs
  • Collateral: First Real Estate Mortgage over the property to be financed and/or an acceptable owner occupied residential property

Card Products

Equicom Credit Card

Equicom Savings Bank Visa Card

Features and Benefits

  • Worldwide Recognition And Acceptance. Shop, dine and pay your bills at over 29 million VISA merchants worldwide.
  • Dual Billing. Take Advantage of two separate credit limits: Peso limit for your local purchases and cash advances and a Dollar limit for your purchases and cash advances made abroad. You also have the option to pay your Dollar billings in Dollar or in Peso.
  • Unlimited Supplementary Cards. Avail of as many supplementary cards for your loved ones and assign each one with a sub-spending limit.
  • Low finance Charges. Pay only 5% or P500.00/$50.00, whichever is higher on your purchases and avail of low finance charges of 3% for Peso and 2.5% for Dollar based on average daily balance.
  • Cash Advance Anytime, Anywhere. Withdraw cash anytime at Equicom Savings Bank, Megalink, Bancnet, Expressnet and over 1 million VisaPlus ATMs here and abroad.
  • Unique Rewards Program. Earn points from your purchases and use your points to shop at Visa establishments worldwide via the Equicom Gift Card
  • Separate Installment Line. You are entitled to a separate installment line which allows you to purchase in installments or convert your straight or regular purchases to affordable monthly installments.
  • Integrated Auto-Debit Facility. Link your Equicom Savings Bank Current or Savings Account to your card for automatic payment of your monthly credit card bills.
  • 24/7 Customer Service. For concerns and inquiries, just call our 24-hour EqB Hotlines at (632) 2415952 or 1-800-10-EQUICOM (3784266) or email eqbcustomerservice@equicomsavings.com.ph. Our friendly and efficient Customer Service Representatives will be more than happy to assist you.
  • Mobile and Internet Access. Access your account anytime by enrolling to the Equicom Mobile and Internet Banking service or through www.equicomsavings.com (subject to availability).

Apply Now!

NOTE: Cash Advance Fees Apply.

Equicom Credit Card Payment Centers:
Equicom Savings Bank
Robinsons Saving Bank (RSB)
United Coconut Planters Bank (UCPB)
Bayad Center
LBC
Bank of Commerce

Note: All payment centers accept payment for Peso Bills. Equicom Savings Bank, Bank of Commerce and Robinsons Savings Bank also accept payments for dollar bills.

Equicom Key Card

An ATM Card you can shop with!

Equicom Savings Bank Key Card

Features and Benefits

  • Recognized and Accepted Worldwide. With your Equicom Key Card, you can shop, dine and pay your bills at over 29 million Visa establishments worldwide*
  • Withdraw Cash Anytime, Anywhere. Withdraw cash anytime at Equicom Savings Bank, Megalink, Bancnet, Expressnet and VisaPlus ATMs here and abroad**
  • 24/7 Customer Service. For concerns and inquiries, just call our 24-hour EqB Hotlines at (632) 2415952 or 1-800-10-EQUICOM (3784266) or email eqbcustomerservice@equicomsavings.com.ph. Our friendly and efficient Customer Service Representatives will be more than happy to assist you.
  • Mobile and Internet Access.Access your account anytime by enrolling to the Equicom Mobile Banking service or through www.equicomsavings.com (subject to availability).

Note:
* Subject to daily purchase limit of P5,000.00 for peso-linked accounts and $100.00 for USD-linked accounts or account balance, whichever is lower. This can be increased upon request.
**ATM fees apply.

Equicom Cash Card

All the advantages of a debit card without having to open a deposit account.

Equicom Savings Bank EQCash Card

Features and Benefits

  • Recognized and Accepted Worldwide. With your Equicom Key Card, you can shop, dine and pay your bills at over 29 million Visa establishments worldwide.
  • Withdraw Cash Anytime, Anywhere. Withdraw cash anytime at Equicom Savings Bank, Megalink, Bancnet, Expressnet and VisaPlus ATMs here and abroad.*
  • 24/7 Customer Service. For concerns and inquiries, just call our 24-hour EqB Hotlines at (632) 2415952 or 1-800-10-EQUICOM (3784266) or email eqbcustomerservice@equicomsavings.com.ph. Our friendly and efficient Customer Service Representatives will be more than happy to assist you.
  • Mobile and Internet Access. Access your card balance through the Equicom Mobile Banking service by typing “INQ Card Number” (INQ 4649123456789010) and send to 0918-818-EQUI (3784) or through www.equicomsavings.com (subject to availability).
  • Reload Anytime. Simply visit any Equicom Savings Bank branch or accredited reloading centers to reload your Equicom Cash Card.

Note:
*ATM fees apply.
** It is not a deposit account, non-interest bearing and is not insured with the Philippine Deposit Insurance Corporation.

Equicom Gift Card

Give your loved ones the gift of choice!

Equicom Gift Card

Features & Benefits

  • An all-occasion gift
    Give it for birthdays, holidays, weddings, graduations – whenever! Give it out as rewards or incentives!
  • Worldwide Acceptance
    Shop, Dine and Unwind at over 29 million Visa establishments worldwide.
  • Reloadable
    Experience utmost convenience of cashless payments, reload your Equicom Gift Card with any amount from P500.00 to P50,000.00 monthly.
  • Convenient
    To inquire on your available balance, simply text “INQ Card Number” (INQ 4284123456789010) and send to 0918-818-EQUI (3784) or contact the 24/7 EqB Hotlines at (632) 2415952 or 1-800-10-EQUICOM (3784266).

*NOTE: The Equicom Gift Card has no ATM access. Lost cards cannot be replaced. It is non-interest bearing and is not insured with the Philippine Deposit Insurance Corporation.

For your protection, here are tips on how to take care of your Credit, Debit and Prepaid Cards.

Bills Payment

Equicom Savings Bank accepts Maxicare Healthcare Corp. premium payments and PLDT Bills payment.

 

Bills Payment
Bills Payment

 

Table of Fees and Charges