PERSONAL BANKING

I N V E S T M E N T S



Time Deposit
This Time Deposit lets you save a fixed amount and earn interest over a chosen period of time. Interest will be credited upon maturity.

Features:
  • Required minimum placement: PHP 10,000
  • Term: 30 days up to less than a year
  • Interest Crediting: upon maturity
  • With Certificate of Time Deposit
  • Bank of Commerce shoulders Documentary Stamp Taxes unless placement is pre-terminated

One Year Time Deposit
Let your funds earn for you for one whole year with this Time Deposit.

Features:
  • Required minimum placement: PHP 10,000
  • Term: one year
  • Interest Crediting: monthly (to be credited in a designated settlement account)
  • With Certificate of Time Deposit
  • Bank of Commerce shoulders Documentary Stamp Taxes unless placement is pre-terminated

One Passbook Investment Account (1PIA)
Get better rates than a regular time deposit from as short as 1-day tenure to as long as 1 year. No need to keep multiple passbooks! One passbook is all you will need to keep track of all your 1PIA accounts under the same account name.

Features:
  • Required minimum placement: PHP 50,000 / PHP 1,000,000 (with term less than 30 days)
  • Term: Overnight to one year
  • Interest Crediting:
  • - Interest will be credited to your settlement account on maturity; or
    - Interest will be added to the principal upon renewal.
  • Your new 1PIA passbook will now have more information about your accounts, not just the date and transaction amount but also your: Account Number, Term, Interest Rate, Maturity Date, Account Balance and Total Placement.
  • Bank of Commerce shoulders Documentary Stamp Taxes unless placement is pre-terminated.


US Dollar or Euro Time Deposit
Place your US Dollar or Euro funds in a Time Deposit from as short as 30 days to one year.

  • Required minimum placement: USD 1,000 or EUR 1,000
  • Term: 30 days up to less than a year (Euro is 30 days only)
  • Interest Crediting: upon maturity
  • With Certificate of Time Deposit





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Member: PDIC. Maximum Deposit Insurance
for Each Depositor P500,000.