Deposit Products

• Peso Checking Account

  Regular Checking Account
  available with checkbook and ATM card for personal accounts

  Smart Checking Account
  earn fixed interest
  available with checkbook and ATM card for personal accounts

  Super Checking
  tiered interest rates
  earn higher interest
  available with checkbook and ATM card for personal accounts

  Peso Checking Account Payroll
  account for payroll or payment of salaries
  available with checkbook and ATM card

  Automatic Transfer Facility (ATF)
  combine the convenience of a checking account and the interest-earning benefit of a savings account
  available with checkbook, passbook, and ATM Card for personal accounts

• Peso Savings Account

  Peso Passbook Savings Account
  earn fixed interest
  available with passbook and ATM card for personal accounts

  Peso ATM
  earn fixed interest
  available with ATM card

  Kabayan Peso Savings Account
  account for Overseas Filipino Workers and their beneficiaries
  earn fixed interest
  available with passbook and international ATM card

  Peso Savings Account Payroll
  account for payroll or payment of salaries
  earn fixed interest
  available with ATM card

  Junior Savers Club
  account for 12 years old and below
  earn fixed interest
  available with passbook and ATM card for 7 yrs. old and above
  with special discounts at SM

  Power Teens Club
  account for above 12 to 19 years old
  earn fixed interest
  available with passbook and ATM card
  with special discounts at SM

  Club 60 Peso
  account for individuals or couples 60 years old and above
  tiered interest rates
  earn higher interest
  available with passbook and ATM card for individual and "joint or" accounts
  priority in processing branch transactions
  enjoy special forex rate

  Direct Deposit Peso Savings
  account for US Government pensioners/beneficiaries
  transaction is limited to the-over-the-counter withdrawal
  available with passbook only

  Smart Guarantor
  account for SM guarantors
  earn higher interest
  available with passbook

  Optimum Savings Account
  account for individuals and non-stock, non-profit entities
  tiered interest rates
  allow three client-initiated withdrawals/debit transactions per month without charge
  available with passbook and ATM card for personal accounts

  Super Savings
  tiered interest rates
  earn higher interest
  available with passbook and ATM card for personal accounts

• Dollar Savings Account

  Dollar Savings Account
  earn fixed interest
  available with passbook and ATM option for personal accounts

  Kabayan Dollar Savings Account
  account for Overseas Filipino Workers and their beneficiaries
  earn fixed interest
  available with passbook and ATM option

  Club 60 Dollar
  account for individuals or couples 60 years old and above
  tiered interest rates
  earn higher interest
  available with passbook and ATM option for individual and "joint or" accounts
  priority in processing branch transactions
  enjoy special forex rates

  Direct Deposit Dollar Savings
  account for US Government pensioners/beneficiaries
  transaction is limited to the-over-the-counter withdrawal
  available with passbook only

  Dollar Super Saver
  tiered interest rates
  earn higher interest
  available with passbook and ATM option for personal accounts

• Third Currency Savings Account

  Third Currency Accounts
  savings account
  available in Euro, Japanese Yen, Great Britain Pound,
  Canadian Dollar, Australian Dollar, Hong Kong Dollar, Singapore Dollar,Chinese Yuan

  Click here to view list of branches authorized to accept Chinese Yuan

• Time Deposit Account

  Peso Time Deposit
  placement with specified maturity date
  earn higher interest than regular savings account
  available with certificate of time deposit

  Kabayan Peso Time Deposit
  placement for OFWs and beneficiaries
  earn higher interest than regular savings account
  available with certificate of time deposit

  Premium Flexi Earner
  placement with maturity of five years
  available to individuals
  tax exempt if maintained for 5 years

  Dollar Time Deposit
  placement with specified maturity date
  earn higher interest than regular savings account
  available with certificate of time deposit

  Kabayan Dollar Time Deposit
  placement for OFWs and beneficiaries
  earn higher interest than regular savings account
  available with certificate of time deposit

  Dollar PRA (Philippine Retirement Authority) Time Deposit
  placement offered to former Filipino and foreign retirees
  earn higher interest than regular savings account
  available with certificate of time deposit
  

  Mega Savings Dollar
  placement with specified maturity date
  earn higher interest than regular savings account
  available with passbook and confirmation advice

  Long Term Dollar Time Deposit
  available tenors of 3 and 5 years
  earn higher interest than regular time deposit
  available with certificate of time deposit