Peso E.A.S.Y. (Earning Access & Sure Yield) Check with ATM Access

An interest-bearing peso checking account wherein deposit transactions are made over-the-counter, or via Cash Deposit Machine (CDM) during official banking hours/days.  Withdrawal transactions may be done either through the issuance of a check or over-the-counter. ATM withdrawals may also be made at any BancNet ATMs 24 hours a day, 7 days a week.  Cashless purchases may also be done through any Point-of-Sale (POS) terminal of partner merchants from department stores, supermarkets and accredited establishments bearing the Bancnet logo.


  • Existing depositors of good standing
  • New depositors with referral from LANDBANK officers or from known and valued clients of the Bank


Minimum Initial Deposit


Required Minimum Monthly ADB


Required Daily Balance to Earn Interest


Interest Rate (per annum)

Effectivity Date: August 7, 2017

Service Fee for Falling Below the Required Monthly ADB


Closing Fee1


Effectivity Date: Dec. 1, 2017

Dormancy Fee2


Effectivity Date: April 24, 2017

Maximum ATM Withdrawal


Point-of-Sale (POS) – Cashless Payment



Checkbook3 and ATM Card4

1 If closed within 30 calendar days from opening date.
2 Accounts with no deposit/withdrawal transaction for one (1) year and falling below the required ADB.
3 Upon closure, all unused checks will be returned to the branch where the account is maintained.
4 ATM Cards are issued to cardholders upon opening of account; however, ATM cards for joint accounts are issued three (3) days after account opening.


ATM Card Replacement Fee


Stop Payment Order (SPO) per check requested


Returned Check


Penalty Charge for RCOCI for every P40,000 amount of check or a fraction thereof


Reprinting of Bank Statements*

  • Private - transactions beyond two (2) months
  • Government - transactions beyond one (1) year

*reckoned from date of request


Bank Statement's Holding Fee
-requested bank statements not claimed/picked-up within one (1)  month



  • Local
1. Presentation of at least one (1) original valid photo-bearing ID
 a) When necessary, Branches shall require secondary proof of identification (e.g., billing statement of utilities or major credit cards in the name of the customer). 
 b) Identifying documents shall be signed by the customer.
 c) SSC of referred customer shall be signed by the endorsing officer/employee of the Bank or valued customer.
 d) The BH/BOO/BSO[1] who shall approve the opening of the deposit account may, at his discretion, confirm the same with the referring officer/employee or valued depositor of the Bank.   
 2. Two (2) recent ID photos (to be attached to CISSC/LOCIS and SSC)
 3. Students who are beneficiaries of remittances/fund transfers and are not yet of voting age may be allowed to present the original school ID duly signed by the Principal or head of the school and submit a clear photocopy of the same. 
 4. Whenever necessary, the Branch may accept other IDs, provided that it shall not be the sole means of identification.
 5. In case the identification documents mentioned above or other identification documents acceptable to the Bank do not bear any photo of the customer or authorized signatory, or the photo-bearing ID or a photocopy thereof does not clearly show the face of the customer or authorized signatory, the Branch may utilize own technology to take the photo of the customer or authorized signatory
 6. Birth certificate of the child in case of parents opening an account in behalf of their child
 a) The Branch shall retain a photocopy of the same duly authenticated by the NAC
 b) The parent(s) shall still be identified in accordance with the requirements
  • Foreigner, all of the following:
1. Passport
 2. ACR/Diplomatic Identification Card issued by the DFA specifying status i.e., working, business, student or non-resident
 Foreign national whose working permit is under process shall be required to submit Certificate of Employment.
  • Court-appointed Fiduciary (Guardian, Administrator, Trustee or Receiver), all of the following:
1. Original Copy of Court Order containing the Fiduciary’s appointment
 2. Original Copy of Court Order authorizing the Fiduciary to open a deposit account with LANDBANK
 The Branch shall retain a photocopy of the Court Order duly authenticated by the NAC.


  1. LANDBANK Branches Nationwide
  2. Customer Care Center
    • NCR-405-7000
    • Toll free for non-NCR- 1800-10-405-7000