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Frequently Asked Questions

What is RCBC Online Banking?
RCBC Online Banking is an internet banking facility of Rizal Commercial Banking Corporation (RCBC) that enables you to access your RCBC Accounts via any internet-enabled device and do banking transactions online 24/7.

System Requirements
  1. What are the minimum hardware and software requirement for RCBC Online Banking?
    In order to use this facility effectively, your computer must have at least the following specifications:
    1. Internet connection: Minimum of 1 Mbps
    2. Operating system: Windows or other operating systems that support Internet Explorer 11, Firefox 72, Chrome 80 or above.
    3. Resolution: Best viewed with 1024 x 768 resolution
  2. What type of browser can I use for RCBC Online Banking?
    3. We encourage that you use Internet Explorer 11, Firefox 72, Chrome 80 or above. JavaScript is required to log-in and use RCBC Online Banking. Please enable JavaScript on your browser.
Enrollment
  1. What type of accounts can I enroll in the RCBC Online Banking?
    1. Active Accounts
    2. Account Types:
      • Individual Accounts
      • Joint "OR" Accounts (JOR)
      • "Doing Business As" Accounts (DBA)
      • In-Trust-For (ITF) Accounts
    3. Products:
      • Checking/ Savings Accounts (PHP/ USD and other FCDU)
      • Time Deposit (PHP/ USD)
      • MyWallet Prepaid Card
      • RCBC Credit Card
      The following types of account can be enrolled if you already have a Checking/ Savings account enrolled in RCBC Online Banking.
      1. Trust Accounts (e.g. Unit Investment Trust Fund)
      2. Loan Accounts
  2. What types of account are not allowed for enrollment in RCBC Online Banking?
    1. JOINT-AND Accounts
    2. Corporate Accounts
  3. How do I enroll in the RCBC Online Banking?
    1. Click Enroll Now in web or Register in mobile login page.
    2. Enter your 16-digit card number or 10-digit account number.
    3. Read and Accept Terms and Conditions.
    4. OTP will be sent to your mobile number. Once OTP is provided, create User ID and Passwords
      Note: If your mobile number and e-mail address are not updated, please visit any RCBC branch to update your information.
    5. Click Submit and Login.
  4. How soon can I access my account information in RCBC Online Banking?
    You can access your account as soon as you have successfully enrolled and logged in.
User ID and Password Maintenance
  1. What happens if I forgot my user ID?
    2. Please visit any RCBC branch to request for User ID retrieval. Your User ID will be sent to your registered e-mail address.
  2. What happens if I forgot my password?
    You may do the following option:
    1. Click "Forgot Password" on RCBC Online Banking login page.
    2. Call RCBC Customer Care at +632 8877-7222
    Your default password will be sent to your registered e-mail address and mobile number.
  3. Can I change my password any time?
    4. Yes, you can change your password anytime.
  4. How do I ensure the security of my password?
    Ensure the security of your password by doing the following:
    1. Protect your password. Do not divulge them to others.
      Anyone from RCBC will NEVER ask your password.
    2. Commit your password to memory; never write it down.
    3. Change your password whenever you feel that your password may be compromised.
    4. Do not use passwords that can be easily guessed.
    5. Always exit properly from RCBC Online Banking by clicking the Logout button.
  5. What happens if I pick a User ID that is the same as another customer?
    No two customers can claim the same ID. The system will notify you if the User ID you entered during enrollment is already assigned to another user, even if that user has been deleted or un-enrolled.
Security
  1. How secure is the RCBC Online Banking system?

    The Online Banking is hosted in a secure server. Each page you view and any information submitted on RCBC Online Banking is encrypted between the client's computer and the RCBC Online Banking server using 256-bit SSL. It allows the server and client to authenticate each other and to negotiate an encryption algorithm and cryptographic keys before the application protocol transmits or receives its first byte of data. Even in the highly unlikely event that the transmission is intercepted, it will not be usable to anyone.

    Sensitive data is encrypted
    Sensitive data such as the client's RCBC Online Banking password is encrypted using a one-way 160-bit hash cryptographic algorithm that turns an arbitrary-length input into a fixed-length binary value, and this transformation is one-way, that is, given a hash value it is statistically infeasible to recreate a document that would produce this value. Even if our password database falls into the wrong hands it would be hard for the intruder to recover user passwords. So when someone asks for passwords, neither the administrator nor the system can show them.

    We take steps to make sure our internet banking system is safe and secure, and it's important that you do the same. To help you, here are the precautions you should take while banking online.
    1. Keep passwords and other information safe by:
      1. Not writing down or storing your Internet banking password or information on your computer;
      2. Not sharing with anyone else access to your password or information. We will never contact you to ask you for this information - if you get an e-mail or a phone call asking for this information, a fraudster is at work;
      3. Changing your password immediately if you think that someone else knows it - you can do this by logging on to RCBC Online Banking and using the 'Security Settings' menu.
    2. Make sure your password is secure by:
      3. Choosing a 'strong' 8 to 20-character password for Internet banking and changing it regularly. Use a mix of letters and numbers (like c4t or d0g), that you can remember without writing down. And avoid using words that may be easy for others to guess, such as the name of a family member or pet.
    3. Be careful where you log on:
      1. We strongly advise not to use Internet banking on publicly accessible computers, in places such as Internet cafes, as they are not always secure.
      2. Do not choose or change your password or information from a computer in a public place.
      3. If you are using the RCBC Online Banking from a public place, do not leave the computer unattended while you are logged on to Internet banking, and ensure that no one is watching what you type.
    4. Check your accounts regularly:
      5. Be sure to check your accounts regularly - it's a good way of spotting any suspicious transactions. If you notice anything that looks out of the ordinary, please contact immediately RCBC Customer Care at +632 8877-7222
    5. Check whether the web page is secure by:
      6. Checking the first few characters of the web address in your address bar has changed from the usual 'http' to 'https' wherein the 's' stands for secure, looking for a small padlock icon, in the locked position, in the upper right-hand corner of your screen. Find out how to check whether a web page is secure.
    6. Check the site certificate:
      7. Sites that are legal and secured always show a valid site certificate.
    7. Always logout:
      8. Finally, always click 'Logout' when you've finished using Internet banking wherever you are, and always close your browser. This will prevent others from gaining access to your accounts online.
    If you suspect that any of your RCBC accounts have been accessed online by someone other than yourself, contact RCBC Customer Care immediately at +632 8877-7222.
  2. What is a One-Time Password?
    3. A One-Time Password (OTP) is a unique code that will be sent via SMS to your registered mobile number every time you login and transact in RCBC Online Banking.
  3. How does a One-Time Password provide better online security?
    4. A One-Time Password serves as an additional layer of security to your online account. Since the OTP is sent to your registered mobile number, only you have access to the OTP which is needed to complete the login process and transaction.
  4. How will I know if my registered mobile number in RCBC Online Banking is updated?
    5. During prompt of OTP screen, the last 4-digit of your mobile number will be displayed. If this is not your current mobile number, please update it right away to ensure you receive your OTP.
  5. How do I update my mobile number to receive OTP?
    6. Please visit any RCBC branch to update your mobile number.
  6. I'm out of the country and I use international mobile number only, can I still login and transact in RCBC Online Banking?
    7. Yes. RCBC Online Banking will send the OTP to your international mobile number. You may also choose to receive your OTP via Viber via “Settings”
  7. When I leave my RCBC Online Banking idle for a period of time, why do I need to login again?
    8. As a security measure, RCBC Online Banking will be automatically logged out if you leave it idle for more than 5 minutes. However, you must always ensure to properly logout after each online banking session.
Biometric Log-in
  1. What does a biometric log-in do?
    2. A biometric log-in allows you to sign into your RCBC Online Banking mobile app using your phone’s built-in biometric scanner. This can be done through facial recognition (iOS device only) or fingerprint scanning.
  2. What are the benefits of logging in using biometrics?
    3. The primary benefit is convenience. With biometrics, you do not have to type in your User ID and password every time you log in. Your identity will be proven by your biometrics and log-in will be instantaneous.
  3. How do I use the biometric log-in?
    4. You must first log-in to your account using your User ID and password. Upon successful log-in, a prompt will ask you if you would like to use biometrics for your next log-in. Once accepted, you will now be able to enjoy hassle-free log-in using biometrics to your RCBC Online Banking mobile app every time by tapping on the fingerprint/ face logo in the log in page. You may also enable/disable biometrics via “Settings”.
Device Registration
  1. Why do I need to register my mobile device?
    2. As first-time users of RCBC Online Banking mobile app, you will be required to register your device. This is to ensure that your account can only be accessed in your trusted mobile devices.
  2. How do I register my mobile device to RCBC Online Banking mobile app?
    3. Upon login to the newly downloaded RCBC Online Banking mobile app, you will be prompted to register your device. Enter the OTP that will be sent to your registered mobile number.
  3. Can I install RCBC Online Banking mobile app in multiple devices?
    4. Yes. You may install the app in multiple devices, but you have to register those devices to be able to access your account.
  4. Can other RCBC Online Banking users access their accounts in my registered device?
    5. No. Other RCBC Online Banking users will not be allowed to access their accounts in your registered devices.

Features and Functionalities

Account Inquiry and Transaction
  1. Can I inquire on the balance of my accounts in RCBC Online Banking?
    2. The balance of your enrolled Checking/ Saving Account and MyWallet Prepaid Card is updated real-time.
  2. How long is the duration of the transaction history viewable in RCBC Online Banking?
    3. You can view your transaction history for the past 90 days from the date of inquiry.
  3. Can I download and print my transaction history?
    4. Yes. In RCBC Online Banking web, you can download your transaction history in CSV, XLS and PDF format.
  4. Can I view and download my Statement of Account in RCBC Online Banking?
    5. Yes, your Checking Account’s SOA will be available in RCBC Online Banking on the next calendar month after enrollment to this facility.
Check Image Viewer
  1. What check images are available for viewing?
    2. Your issued, drawn and cleared RCBC checks for the past 90 days can be viewed in RCBC Online Banking.
  2. How can I view the images of the checks I issued?
    3. Check images can be accessed in Transaction History. The front and back images of the check can be viewed by clicking the check number. You can also print the check images.
  3. When can I view the images of the checks I issued?
    4. An inward check can be viewed three (3) banking days after the check was deposited in another bank.
Time Deposit
  1. How do I confirm that I have opened my Time Deposit online?
    2. Online Time Deposit placements will not be issued a Certificate of Time Deposit or a Time Deposit Placement Confirmation Letter. The confirmation of the Time Deposit opened online will be sent to your registered e-mail address.
  2. Is there a limit on the amount of time deposit that I can place online?
    3. Yes. You can place a Time Deposit with a minimum amount of PHP 5,000.00 and up to a maximum of PHP 10,000,000. For Dollar Time Deposit, clients can place a minimum of USD 1,000 to maximum of USD 200,000.
  3. Can I withdraw my Time Deposit before its maturity date?
    4. Yes. You are allowed to pre-terminate online only those Time Deposits that were placed in RCBC Online Banking. The prevailing interest rate during the pre-termination shall be applicable.
  4. How can I close my Time Deposit that was placed online?
    5. The Time Deposit that you placed in RCBC Online Banking can only be closed or terminated in RCBC Online Banking.
Fund Transfer
  1. To which accounts can I transfer my funds?
    You can transfer funds to and from your enrolled accounts and to other RCBC accounts. You can also transfer funds to other Banks and BSP-Supervised Financial Institutions (BSFIs) through PESONet and InstaPay or if the destination Bank is a member of Bancnet

    The following are the Limits and Fees for different types of transfers:
    Destination Transaction Limit Fees Processing Time
    Own Accounts No Limit No Fee Real-time
    Other RCBC Accounts PHP 499,999.99/ day No Fee Real-time
    Other Banks via Bancnet PHP 50,000/ day PHP 27.50 Real-time
    Other Banks via InstaPay PHP 50,000/ transaction PHP 15 Real-time
    Other Banks via PESONet PHP 499,999.99/ day PHP 10 Receive funds by end of day. Transaction beyond 2 PM cut-off time will be processed the next banking day.
    All 3rd party transfer is subject to RCBC Online Banking’s aggregate daily limit of PHP 499,999.99 per user.

  2. How will I know if my fund transfer transaction successfully pushed through to the other account?
    3. You will be notified through RCBC Online Banking that your transaction has been successful. You will also receive a transaction confirmation via e-mail and SMS.
  3. What if I input the wrong beneficiary details (example, account number)?
    4. The payment will push through as long as (1) the account number entered is a valid format/value accepted by the receiving Bank/BSFI and (2) details are complete. You would have to make sure you entered the correct details and review the summary before clicking Submit.
  4. For recurring/ future date fund transfers, what time will the system process my transactions?
    5. It will process your transaction at 8:30AM.
  5. Can I still cancel my scheduled fund transfer transactions?
    6. Yes. You are allowed to cancel your scheduled fund transfer online at least one (1) calendar day before the scheduled transfer date.
  6. Can I inquire on the status of my Fund Transfer Transactions?
    7. Yes. In web, go to "Fund Transfer" and click on “Fund Transfer Status Inquiry". In mobile, go to “Fund Transfer” and click on “Inquire on Bank Transfer Status”
  7. I regularly transfer to a specific account, what should I do to make the transaction easier next time?
    8. You may add the destination account as your beneficiary. In web, go to “Fund Transfer” and click on “My Beneficiaries”. In mobile, go to “Fund Transfer” and click on “Manage Beneficiaries”.
  8. Why can't I complete my fund transfer?
    9. You may have insufficient funds. In this case, the transaction will automatically be cancelled and RCBC Online Banking shall not make further attempts to complete the fund transfer.
  9. Can I also receive funds from other banks via InstaPay and PESONet?
    10. Yes. RCBC is activated to receive InstaPay and PESONet transactions.
PESONet Fund Transfer
  1. What is PESONet?
    2. PESONet is a batch electronic fund transfer (EFT) service that enables high value, non-time sensitive funds transfer to any participating Banks and BSP-Supervised Financial Institutions (BSFIs).
  2. Is there a cut-off for PESONet transactions?
    3. There’s a daily cut-off of 2PM for same day transmittal to the receiving bank. Transactions done after cut-off, on holidays or weekends will be processed for transmission to the receiving bank on the next banking day.
  3. When will my PESONet transaction be credited to my beneficiary?
    4. Funds will be credited within the day if transacted prior the 2PM cut-off. Crediting time may vary depending on RCBC and/or the beneficiary bank's batch processing time and validation.
  4. What happens if my PESONet transaction is not successful? Will the money be returned to me?
    5. The beneficiary Bank/BSFI may experience problem during crediting of funds if (a) the account details provided are incorrect (i.e. wrong or invalid account number) or (b) if the beneficiary account has restrictions. Should this occur, the funds shall be credited back to your account excluding the PHP 10 service fee. In case you accidentally provide the wrong account number, a request for recovery will be on a best effort basis subject to accountholder's consent as well as the beneficiary institution's internal policies on recovery. These will take into consideration: (1) availability of credited funds; (2) beneficiary accountholder's consent to be debited; and (3) turnaround time.
InstaPay Fund Transfer
  1. What is InstaPay?
    2. InstaPay is a real-time, low-value, electronic payment or credit transfer to other banks. It follows a clear-before-settle arrangement to allow instant confirmation of transaction.
  2. Is there a limit to the number of times I can send an Instapay transaction?
    3. None, but you can only transfer up to PHP 50,000 per transaction or total of PHP 499,999.99 per day.
  3. What will I do when my account was debited but I encountered an error upon sending my InstaPay transaction?
    4. RCBC Online Banking will automatically debit your source account first before pushing this to the receiving account given the clear-before-settle arrangement. If there was an error encountered, depending on the error result, the amount will be automatically reversed and credited back to your account along with the transaction fee. In other cases, reconciliation or reversal will be done on next banking day. You may also check the beneficiary account if the amount was credited since it is possible that transfer successfully pushed through with no confirmation of successful credit from the receiving bank.
Transfer via QR Code
  1. What is a RCBC QR?
    2. RCBC QR allows you to transfer money easily and instantly to other RCBC Online Banking users and other participating Banks/BSFIs of BSP QR Ph, by scanning the recipient’s QR code using your RCBC Online Banking mobile app.
  2. What are the benefits of using RCBC’s QR Scanner?
    3. Using the QR Scanner allows you to transfer funds immediately and conveniently. With the QR Scanner, you do not have to input the account details manually anymore as the app automatically produces the recipient’s account details upon scanning. Once the source account and the amount are filled out, the transfer is transacted immediately.
  3. Is RCBC QR safe?
    4. Yes. Each QR code is unique from one another and the technology used can differentiate each one. This avoids possible manual input errors we risk when transferring by typing the account details.
  4. How do I generate my RCBC QR code so I can receive fund transfers?
    5. Log-in to your RCBC Online Banking mobile app. Go to Fund Transfer, and then click Generate QR Code. Here you have to select the account you want to generate a QR for and set a nickname. Upon confirmation, your QR will be immediately available in the next screen and it may be scanned from there. For convenience, you may also save your QR code to your device (to send to your friends later on) or share it.
  5. How do I transfer via QR code?
    6. Log-in to your RCBC Online Banking mobile app. Go to Fund Transfer, and then click Bank Transfer. Here, in Destination Account, you are given the choice to select/input account number or scan QR (if QR code is physically scannable) or to import QR from your phone’s photo gallery which has been sent to you digitally. Enter the amount to be transferred and confirm the transaction, the transfer will be sent immediately.
  6. Are there any fees when using the QR function?
    7. If you are transferring to other Bank/BSFIs, the transfer will be done via InstaPay. Existing InstaPay fee will be applied.
Request Payment
  1. How does Request Payment work?
    2. This service allows you to request money from other RCBC Online Banking users through their contact information. You can also request payment from multiple users in one go (Split Bill). For example, you and 4 of your friends dined out for lunch. Assuming they are all RCBC Online Banking users, you can now request payment by inputting the amount and your recipient’s mobile number and e-mail address in RCBC Online Banking.
  2. Can I set the amount per recipient?
    3. Although the total amount entered will be automatically divided equally to the recipients, you may still set individual amounts per recipient.
  3. How will the RCBC Online Banking user, whom the money is being requested from, be notified of my request?
    4. The recipients will receive a notification within the RCBC Online Banking web and mobile app. They can choose to pay the request and they would just have to select the source account from their enrolled accounts.
  4. What if I don’t want to pay the amount requested from me?
    5. You have an option to decline a request if you choose not to pay. The sender of the request will see the status of their request as declined.
  5. Recipient is not paying my payment request, what can I do?
    6. You can resend the request again. You may send a request of up to three (3) times per day.
  6. Is there a limit for the amount that I can request?
    7. Maximum amount that can be requested is PHP 499,999.99 per day.
  7. Is there a fee for using request payment service?
    8. No. Request Payment is free to enjoy for RCBC clients.
Bills Payment
  1. For recurring/ future date bills payment, what time will the system process my transactions?
    2. It will process your transaction at 10:00am.
  2. Is there a limit on the amount that I can pay via RCBC Online Banking?
    3. Yes. You can pay up to PHP 499,999.99 per day.
  3. Why can't I complete my bills payment transaction?
    4. You may have insufficient funds. In this case, the transaction will automatically be cancelled and RCBC Online Banking shall not make further attempts to complete the bills payment transaction.
  4. Can I still cancel my scheduled bills payment transaction?
    5. Yes. You are allowed to cancel your scheduled bills payment online at least one (1) calendar day before the scheduled payment date.
  5. Can I inquire on the status of my bills payment?
    6. Yes. In RCBC Online Banking web, go to “Bills Payment” and click “Payment Status Inquiry". In mobile, go to “Bills Payment” and click on “Inquire Payment Status”.
Send Cash
  1. What is Send Cash? Is it the same as fund transfer?
    2. No, Send Cash is not the same as fund transfer. Fund transfer allows you to send money to banks whereas send cash allows you to transfer money for claiming of the recipient in physical locations. It serves like a remittance.
  2. Does the Send Cash recipient have to be an RCBC account holder?
    3. No, the recipient of send cash transaction does not have to be an RCBC account holder.
  3. What are the choices for cash pickup locations?
    4. While transacting over the web, you will be asked to choose where your recipient will claim the money. You may choose from RCBC ATMs and Branches or Remittance Partners. If you transact using the mobile app, your recipient may only claim in RCBC ATMs or Branches.
  4. Who are RCBC’s remittance partners?
    Currently we have available remittance partners:
    1. M Lhuillier
    2. Bayad Center (Remittance Cash Pick-up Branches)
    3. LBC (Payments and Remittance Centers)
      4. We are working to expand our remittance partners in the future.
  5. Is this available for RCBC Online Banking web and mobile app?
    6. Yes. Send Cash is available for both web and mobile app. However, only the web version has the capability that allows you to send money to RCBC’ Remittance Partners for now. The Send Cash in mobile app only allows you to send cash for pick up in RCBC ATMs and Branches.
  6. Is there a minimum and maximum limit for Send Cash transaction?
    7. Minimum amount is PHP 100, while the maximum amount limit is PHP 5,000 per transaction. Amount should be divisible by 100.
  7. Is there a cut-off for Send Cash transaction?
    8. No, there is no cut-off so your Send Cash transaction is remitted instantly.
  8. How much is the fee for Send Cash transaction?
    9. Service fee for Send Cash transaction is PHP 20. However, if you choose to cash out via Remittance Partners, an additional PHP 50 service fee by the remittance partner will be charged for a total of PHP 70.
  9. I made a mistake in inputting my recipient’s details. Can I change it?
    10. No, once a transaction is successful you may no longer edit the details. However, you may cancel the transaction and redo it again.
  10. I selected Remittance Partner but now my recipient wants to claim it at an RCBC ATM/ Branch (or vice versa) can he still do so?
    11. No. You will have to cancel the transaction then transact again with the correct claiming location.
  11. How do I cancel a Send Cash transaction?
    12. As long as the money has not been claimed yet by the recipient, you may cancel your Send Cash transaction. In web, go to “Send Cash”, and then click “Send Cash Status Inquiry”. In mobile app, go to Fund Transfer, and then click “Manage Send Cash”. From there select the transaction you wish to cancel.
  12. Will I be refunded if I cancel my Send Cash transaction?
    13. Your Send Cash amount will be credited back to you but the service fee is non-refundable. Therefore, please make sure that the transaction details are accurate before submitting.
  13. How will my recipient get that reference number?
    14. It will automatically be texted to them. If you choose Remittance Partner as claiming location, make sure recipient bring 1 valid ID that reflects the recipient details you inputted. If recipient will claim at branch, he/ she also need to bring 1 valid ID.
  14. How does my recipient claim in an RCBC ATM?
    15. Your recipient may claim in any RCBC ATM by pressing ENTER/ ACCEPT, and then input reference number (sent to him), the OTP (sent to you, which in turn you have to send to your recipient), and the amount.
  15. I lost/ deleted the OTP (One-Time PIN), can I resend it?
    16. No. The OTP can’t be resent. The recipient will have to go to RCBC Branch to cash out. You may also cancel and redo the transaction.
Cardless Withdrawal
  1. What is Cardless Withdrawal?
    2. Cardless Withdrawal allows you to withdraw your funds via RCBC ATM even without your ATM card.
  2. Is there a minimum and maximum limit for Cardless Withdrawal transaction?
    3. Minimum amount is PHP 100, while the maximum amount limit is PHP 25,000 per transaction. Amount should be divisible by 100.
  3. Is there a fee for using Cardless Withdrawal service?
    4. No. Cardless Withdrawal is free to enjoy for RCBC clients.
  4. Can I cancel my Cardless Withdrawal transaction?
    5. Yes. In web, go to “Cardless Withdrawal”, and then click “Cardless Withdrawal Status Inquiry”. In mobile app, go to Cardless Withdrawal, and then click “Manage Withdrawals”. From there select the transaction you wish to cancel.
  5. How can I withdraw my Cardless Withdrawal transaction in RCBC ATM?
    6. In RCBC ATM, press ENTER/ ACCEPT. Input the reference number sent to your e-mail address and the OTP sent to your mobile number, and then enter the amount to be withdrawn.
  6. I lost/ deleted the OTP (One-Time PIN), can I resend it?
    7. No. The OTP can’t be resent. The recipient will have to go to RCBC Branch to cash out. You may also cancel and redo the transaction.
Online Check Deposit
  1. What kind of checks can I deposit through this feature?
    2. Currently, you may only deposit RCBC checks excluding Manager’s Check and Demand draft.
  2. Is there an amount limit for online check deposit?
    3. Only checks below PHP 500,000 will be accommodated for the online check deposit. For bigger amounts, please deposit instead in any RCBC branch.
  3. Is there a cut-off time for online check deposit?
    4. The daily cut-off is 3:00 PM and is only available during banking days.
  4. What will happen if I deposit my check past the 3:00 PM cut-off?
    5. The check will be verified and will be posted on the following banking day. Checks deposited on holidays and weekends will also be verified on the next following banking day.
  5. How fast will deposit reflect in my account?
    6. Checks deposited online will go through verification process. As long as you reach the 3:00 PM cut-off and the check is successfully verified, the check should reflect within the day of deposit.
  6. Will I get a notification once a check has been processed?
    7. Yes. You will receive an SMS and E-mail upon successful submission of a check to be verified. Once your check has been approved or rejected, you will receive another SMS and E-Mail on its status.
Checkbook Request
  1. What is the maximum number of checkbooks I can order?
    2. You can order up to ten (10) checkbooks per transaction.
  2. How much is the fee charged per checkbook?
    3. Each checkbook costs PHP 240.
  3. Can I claim my checkbook from any RCBC Branch?
    4. No. You can only claim your checkbook from the Branch where you opened your checking account.
Buy Load – Gaming Credits
  1. What are Gaming Credits?
    2. Gaming Credits may be used to buy virtual items in different gaming sites/apps.
  2. Who can buy Gaming Credits through RCBC Online Banking?
    3. As long as you have a valid Checking or Savings Account enrolled in RCBC Online Banking, you can use it to buy Gaming Credits.
  3. How can I buy Gaming Credits through RCBC Online Banking?
    4. In RCBC Online Banking web or mobile app, go to “Buy Load” and click on Gaming Credits. Here you can select your Source Account, Game Title/Portal and Product Code. Input the Mobile Number of the gaming credit recipient and confirm your transaction. You will be notified once transaction has been successful.
  4. Is there an amount limit for buying Gaming Credits?
    5. Yes. You can only purchase a total of PHP 50,000 worth of gaming credits per day.
  5. How do I know if my Gaming Credits transaction was successful?
    6. You will be notified through RCBC Online Banking that your transaction has been successful. You will also receive a transaction confirmation via e-mail and SMS (mobile number entered during the purchase).
  6. How much are the Game credits?
    7. Gaming Credits come in different value and price depending on the game title and product. You may see the amount of each purchase within the last numbers of the product code or in the Amount Field which will be populated automatically once you selected a product.
  7. Is there a limit on how many Gaming Credits I can buy?
    8. You may buy gaming credits as long as your selected Source Account has sufficient balance and your total gaming credit purchase has not yet exceeded the PHP 50,000 purchase limit per day.
  8. Can I refund my Gaming Credit purchase?
    9. No. Gaming Credits are non-refundable once purchased.
  9. What if I input the wrong mobile number?
    10. Each game credit purchase transaction will push through as long as the mobile number entered is in correct format (63+10 digit mobile number) and is not incomplete. The user will only be prompted that the mobile number is incorrect if the format was not followed and/or the number of digits entered is incomplete.
  10. What if I don't receive an SMS?
    11. There will be times wherein the SMS notification will be delayed. However, you will still receive the PIN details of your purchase through your registered e-mail address.
Buy Load – Paymaya
  1. What is PayMaya?
    2. PayMaya is a free app that gives you a virtual or physical Visa or Mastercard debit card that you can use to shop online, book flights, and more, even without a credit card.
  2. Who can load their PayMaya through RCBC Online Banking?
    3. As long as you have a valid Checking or Savings Account enrolled in RCBC Online Banking, you can use it to load your PayMaya.
  3. Can I load someone else’s Paymaya?
    4. Yes. You may load someone else’s PayMaya using your enrolled accounts in RCBC Online Banking.
  4. How do I load up any PayMaya account through RCBC Online Banking?
    5. In RCBC Online Banking web or mobile app, go to “Buy Load” and click on PayMaya. Here you can select your Source Account, input Amount and PayMaya mobile number. Review and confirm your transaction. You will be notified once transaction has been successful.
  5. How much will be charged to me every time I load up my PayMaya through RCBC Online Banking?
    6. None, the source account will only be debited with the amount you loaded to your PayMaya account.
  6. How will I know if I was able to successfully load my PayMaya account?
    7. You will be notified through RCBC Online Banking that your transaction has been successful. You will also receive a transaction confirmation via e-mail and SMS.
  7. How much can I load up to my PayMaya account through RCBC Online Banking?
    8. You can load from PHP 500 up to PHP 50,000 per transaction as long as your PayMaya has not yet exceeded its load limit.
  8. Is there a limit to the number of times I can load up my PayMaya through RCBC Online Banking?
    9. None, but you can only load up to PHP 50,000 per transaction.
  9. What if I input a wrong mobile number?
    10. All PayMaya load up request will push through as long as the mobile number entered is (1) in correct format (2) not incomplete (3) linked to a PayMaya. You will only be prompted that a mobile number is incorrect if any of the three conditions were not met so you have to make sure you entered a correct mobile number before clicking Submit.
  10. What if I don’t receive an SMS after a successful transaction?
    11. There will be times wherein the SMS notification will be delayed. However, you will still be prompted with the successful transaction details through RCBC Online Banking and through your registered e-mail address.
Card Lock-Unlock
  1. What are the card variants that I can lock in RCBC Online Banking?
    You may lock the following cards as long as they are enrolled in RCBC Online Banking:
    1. RCBC Debit Cards
    2. RCBC MyWallet Prepaid Cards
  2. How do I lock and unlock my Debit Card and MyWallet Prepaid Card?
    3. In RCBC Online Banking web or mobile app, go to “Card Lock-Unlock”, click on the “Lock/Unlock” button for the card you wish to lock/unlock, and then input the card PIN.
  3. Once I lock my card, how long will the card stay locked?
    4. Your card will remain locked until you unlock the card in RCBC Online Banking. In cases where RCBC Online Banking is unavailable, you may also visit any RCBC branch to unlock your card.
  4. Once I unlock my card, will I be able to use it right away?
    5. Once you unlock your card, you may already use your card again.
  5. Why can I not unlock my card?
    6. If RCBC has restricted or blocked your card for any reason, you may not unlock that card. You will need to go to any RCBC branch for assistance with your card.
  6. What transactions are restricted to my card once I locked it?
    Your Debit Card and MyWallet Prepaid Card will be restricted from the following:
    1. ATM Transactions
    2. Point-of-Sale (POS) Transactions
    3. Online Transactions
    4. Fund Transfer to Other Bank via Bancnet
    7. However, you may still use the Checking or Savings account linked to your card for over-the-counter (OTC) transactions and RCBC Online Banking transactions that do not require your card.
  7. How often can I lock my card?
    8. You can lock your card as frequently as you would like to.
  8. Can I lock my card for any reason?
    9. Yes. You can lock your card for any reason. The Card Lock-Unlock facility is intended to be used if you do not plan to use your card for a period of time and want to prevent unauthorized transactions. However, to permanently block your card, you will need to call RCBC Customer Care at +632 8877-7222 or visit any RCBC branch.
  9. I’m enrolled in RCBC Online Banking, why is my Debit Card not listed in Card Lock-Unlock facility?
    10. Your card may not be linked to your enrolled Checking or Savings account. To link your card in RCBC Online Banking, click the edit function of your account, and then select “Update/Link Card Number”. Input your card number and PIN to link your card.
Open an Additional Account Online
  1. What are the deposit products that I can open via RCBC Online Banking?
    You can open following deposit products in RCBC Online Banking:
    1. Regular Savings Account (ATM/ Passbook)
    2. eWoman Savings Account (ATM/ Passbook)
    3. Dragon Peso Savings Account (Passbook)
    4. FX Global
    You may learn more about these different products by clicking more details link or through the RCBC.com
  2. Is this available for RCBC Online Banking web and mobile app?
    3. This service is currently available in RCBC Online Banking web only.
  3. How will I be able to fund my new account?
    4. You may fund your account by transferring from your existing enrolled account. You may fund your account upon creation up until 24 hours. If 24 hours have passed since creation and the account has not yet been funded, the account will be automatically closed.
  4. Which RCBC branch will maintain my new account?
    5. Your new account will be handled by your primary branch. The branch of the first account you enrolled in RCBC Online Banking.
Foreign Exchange
  1. What is Online FX Trading Platform?
    2. This facility allows you to do online foreign exchange transactions between your Foreign Currency Deposit Unit (FCDU) and PHP accounts enrolled in RCBC Online Banking. Currently, this service is only available in RCBC Online Banking web.
  2. What FX transactions can be done using Online FX?
    The following FX transaction can be done between enrolled accounts:
    Exchange from Exchange to
    USD PHP
    USD 3rd currencies *
    3rd currencies * USD
    3rd currencies * PHP
    PHP USD
    PHP 3rd currencies *
    *List of available foreign currencies for exchange

  3. What are the requirements to be able to use Online FX?
    4. To be able to use this facility, your bank information should be updated. To update information, client should visit any RCBC branch.
  4. What FX rates/quotes are used in Online FX?
    5. Current online foreign exchange rates exclusive for RCBC Online Banking users.
  5. What dates/time would Online FX be available?
    6. The Online FX Trading Platform is available from 9:00 AM to 5:00 AM the following day (except on weekends and Philippine holidays).
  6. Is there a limit to what clients can transact in Online FX?
    7. Yes. There is a daily FX transaction limit of USD 10,000 or its equivalent in other currencies.
  7. Can the Online FX transaction be cancelled?
    8. The system processes the request immediately upon confirmation of FX transaction. As such, there will be no cancellation or reversal of the transaction once it has been processed.
  8. When conducting PHP to USD or other foreign currencies Online FX transaction, how does the following purpose for foreign exchange work?
    1. Travel – Purchased currencies are required to be withdrawn by the client from selected branch and on his specified date.
    2. Investment – (Currently available for USD only) Purchased currencies will be automatically placed into a 90-day USD Time Deposit and will credited upon maturity to client’s selected USD account.
  9. For currencies exchanged for purpose of travel, what will happen if the foreign currencies were not withdrawn on the specified date?
    10. You will be tagged by the system for non-withdrawal. Once you reached three (3) consecutive non-withdrawals within a period of three hundred sixty (360) calendar days from first transaction with non-withdrawal, your access to Online FX will be suspended for one hundred eighty (180) days.
  10. For currencies exchanged for purpose of travel, can the credited currency amount be transferred to another account prior to withdrawal?
    11. Transfer can be made to another account of the same currency but you will still be tagged for non-withdrawal.
  11. Can any date be selected for withdrawal of exchanged foreign currencies?
    12. The currencies are available for withdrawal from the selected branch two (2) banking days after the transaction. You can only select a date within the next five (5) banking days from its availability.
  12. Will the pick-up of notes be available for all RCBC branches?
    13. Only one (1) from the listed RCBC branches in this facility can be selected.
  13. For currencies exchanged for purpose of investment, Is there a minimum amount for 90-day USD Time Deposit?
    14. Yes. The minimum amount is USD 1,000.
  14. Is pre-termination allowed for the time deposit placed from this facility?
    15. No, pre-termination of time deposit is not allowed if done through the Online FX. This is different from opening a regular time deposit in RCBC Online Banking which can be pre-terminated.
  15. What time deposit rate is used for this transaction?
    16. Current bank time deposit rates will be used.
  16. Where can I see the details of my Time Deposit account?
    17. The details of the time deposit placed through Online FX will be sent via e-mail.
  17. Upon maturity of the time deposit, where will the funds be credited?
    18. Once maturity is reached, time deposit funds including its interest will be credited to client’s selected USD account.
UITF Online Facility
  1. What is the RCBC UITF Online Facility?
    2. UITF Online Facility (“UITF Online”) allows individual investors to enroll new or existing UITF accounts online and access them 24/7 without having to go to an RCBC branch to physically submit the required documents.
  2. Who can access UITF Online?
    3. All RCBC Online Banking users can access UITF Online.
  3. What RCBC UITFs can be accessed via UITF Online?
    Currently, there are nine (9) RCBC UITFs available online.
    Peso Money Market Fund R25 Blue-Chip Equity Fund
    Peso Cash Management Fund R25 Dividend Equity Fund
    Peso Bond Fund Dollar Money Market Fund
    Balanced Fund Dollar Bond Fund
    Equity Fund
  4. How can I enroll in UITF Online?
    You must follow these steps:
    1. Click “Invest in UITF”
    2. Choose either:
      Apply for a new UITF - For new UITF clients
      Enroll Existing Rizal UITF Account - If client wants his UITF investments booked in the branch to be available online
    3. Accomplish the Customer Suitability Assessment (CSA)
    4. Select preferred RCBC UITF
    5. Acknowledge the Risk Disclosure Statement and electronically sign the Trust Agreement
    6. Indicate your preferred contact details and wait for the call of a Trust Marketing Officer.
    7. You will receive an e-mail confirmation that account enrollment has been approved. To start investing, you should go to “Invest in UITF” and click “Add Investment.”
  5. How long will it take for my enrollment to be processed and approved?
    6. The turn-around time for RCBC Trust to process a UITF Online account enrollment is one to two banking days. Before approving the enrollment, a Trust Marketing Officer or Assistant may get in touch with you to help validate your answers and further explain the benefits and risks of investing in RCBC UITFs.
  6. Can I enroll an existing UITF account in UITF Online?
    7. Yes. An existing UITF account booked via the branch may be enrolled in UITF Online. During enrollment, you should select “Enroll Existing Rizal UITF Account” when prompted by the system. If you are already a user of UITF Online and wants to enroll another UITF account, you may do so by clicking “Enroll Account” in UITF Online page.
  7. Can I enroll all types of account (Single, Joint-OR, Joint-And, Corporate) in UITF Online?
    Only individual investors may enroll their UITF accounts online. Further, some features of UITF Online are not available to certain types of individual accounts.
    1. For Single accounts – All UITF Online Features are available such as opening new single UITF accounts, adding and redeeming investments, termination of account, and viewing of transactions.
    2. For JOINT-OR (JOR) accounts – This may be enrolled in UITF Online. However, access is limited to viewing of outstanding investments, downloading and generating UITF statements of account and transaction history reports.
    3. For JOINT-AND accounts – JOR-AND accounts are NOT allowed to be enrolled in UITF Online.
  8. When can I start doing transactions in UITF Online?
    9. As soon as the enrollment has been approved, you will be able to do UITF transactions immediately such as placing initial investment in a Fund.
  9. What is the cut-off time for UITF transactions done online?
    10. The transaction cut-off time for UITF Online transactions is 1:00 PM, which is the same as cut-off time for over-the-counter transactions. All transactions done beyond cut-off time shall be value-dated the next banking day but your source checking or savings account shall already be debited by the system after successful submission of investment transaction.
  10. Can I cancel UITF transactions done online?
    11. Only transactions done beyond the cut-off time may be cancelled online, provided the cancellation is done before the new banking day (12:00 midnight).
  11. How will I know if the online transactions have been successfully submitted to RCBC Trust?
    12. For each online transaction, you will receive an e-mail message confirming the details of the transaction. An electronic Confirmation of Participation (COP) will also be e-mailed to you once the NAVPU for the day is available.
  12. Can I download copies of all the documents accomplished and digitally signed online?
    13. Yes, all the documents that you accomplished and digitally signed online may be downloaded, printed and saved anytime by clicking “View Documents.”
  13. Who should I contact for any UITF Online related concerns?
    For questions related to UITF online, you may email us at: uitfonline@rcbc.com