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 P100.00
  • 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  • Funds can be withdrawn from our own ATMs as well as VISAPlus, Bancnet, Megalink and Expressnet ATMs
  • 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

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  • Funds can be withdrawn either over the counter or from our own ATMs as well as ATMs of all Megalink member bank using the ATM Key Card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

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 and mobile banking

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

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.
  • Equicom Super Check (for Gold Cardholders only). Experience a new and personal payment option. This unique payment mode allows Equicom Credit Cardholders to issue checks drawn against their Equicom Credit Card.
  • Balance Transfer. Transfer you other credit card balances to your Equicom Credit card and pay them in affordable monthly installments in 3, 6 and 12 months.

Apply Now!

NOTE: Cash Advance Fees Apply.

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

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.

Note:
* Subject to daily purchase limit of P20,000.00 for peso-linked accounts and $400.00 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.
  • 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.
  • 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.

Download Debit/ATM Card Application Form

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

 


Internet Banking

Equicom Online Internet Banking

Internet Banking

Features & Benefits

  • Real-time balance inquiry for enrolled cards and accounts.
    • All types of EqB deposit accounts (Current, Savings, and Time Deposits) and
    • All types of Equicom cards (ATM key card, Equicom credit card, prepaid Equicom cash card and prepaid Equicom co-branded cards, and Equicom gift card) may be enrolled. 
  • Viewing your Bank statement for your enrolled cards or accounts in 3 different ways:
    • Current month-to-date real-time,
    • Any month within the past 12 months, or
    • Any period up to 90 days within the past 12 months.

    With month-to-date statements, you can view even your most recent approved transactions anytime anywhere. Best of all, you may view both front and back images of the checks that you issued from your checking account.

  • Bancnet Online enables the following no-enrollment PIN-based transactions for Equicom debit cardholders:
    • No enrollment:  Balance inquiry, Checkbook request, and Fund transfer across checking and savings accounts that are linked to the ATM card,  
    • Enrollment required:  Inter-bank fund transfer to other accounts in Bancnet member banks
  • Quick Inquiry is no-enrollment balance inquiry for prepaid and gift cards

How to Enroll for Internet Banking

Personal

  • Access internet banking through the EqB website.
  • Click on the internet banking link at the top right corner of the home page to open the Equicom Online main page, where you may then begin enrolment or login and safely conduct your transactions in a secure environment.  
  • Enroll online by clicking on “Enroll now!” then follow and accomplish the registration process.
  • After completing online enrollment, you may view details and status of your pending enrollment by clicking on “View my enrollment status? Click here.

Corporate

  • Accomplish the Corporate Internet Banking enrollment forms and submit it to your Equicom branch of account.  (Form 1 covers corporate data and approving signatories while Form 2 covers the authorized users for corporate internet banking.) 
  • Please note that corporate authorized users will need explicit board approval to access the corporate account/s as a single user.

For more information, please contact the EqB Hotlines at (632)2415952, 1-800-10-EQUICOM (3784266) or visit your Equicom branch or email us at ebankingservices@equicomsavings.com.ph.

Download Corporate Internet Banking Enrolment Form

Download Personal Mobile / Internet Banking Enrolment Form

*Note: The forms can be accomplished, saved and printed for you to sign and submit to your branch of account.

 


Mobile Banking

Equicom Mobile Banking

Mobile Banking

24×7 banking convenience at your fingertips.

Features & Benefits

  • Real-time balance inquiry for enrolled cards and accounts.
  • Quick access/ no enrolment balance inquiry for Prepaid, Gift, and Rewards cards
  • Last 5 transactions for enrolled accounts
  • Prepaid cash load from enrolled accounts
  • Payment for Equicom VISA credit card from enrolled accounts

How to avail of Mobile Banking

  • Enroll for mobile banking service at your Equicom Savings Bank branch.
  • Any mobile phone and telco provider may be supported.
  • Simply text the transaction commands to 0918-818-EQUI (3784).

SMS Commands (EqB Mobile Banking number is 0918-818-EQUI (3784)).

SMS Command Description
BAL <PIN> balance inquiry for enrolled accounts (CA, SA, TD) and cards (Prepaid, Gift, Rewards, Credit)
INQ <card number> quick access/ no enrolment balance inquiry for Prepaid, Gift, and Rewards cards
L5TX <PIN> last 5 transactions for enrolled CASA
FTR <source PIN> <destination PIN> <amount> CASA to CASA fund transfer
CPIN <old PIN> <new PIN> Change PIN
PLOAD <source PIN> <prepaid PIN> <amount> Prepaid cash load from CASA
CPAY <source PIN> <credit card PIN> <amount> CASA payment for credit card
LOCK <PIN> Temporarily disable mobile access to enrolled account or card
UNLOCK <PIN> Lift temporary Lock on enrolled account
STOP <PIN> Delete mobile enrollment of account
HELP <PIN> Quick list of basic commands
CMD <PIN> List of transaction SMS commands
CMD2 <PIN> List of lock, unlock, stop commands
CMD3 <PIN> List of Card related commands

For more information, please contact the EqB Hotlines at (632)2415952, 1-800-10-EQUICOM (3784266) or visit your Equicom branch or email us at ebankingservices@equicomsavings.com.ph.

Download Personal Mobile / Internet Banking Enrolment Form

*Note: The forms can be accomplished, saved and printed for you to sign and submit to your branch of account.