CASA

1. What is the initial deposit and maintaining balance of a Regular Savings Debit (ATM) Account?
- P2,000.00

2. What is the initial deposit and maintaining balance for Commercial Metrochecking Extra (CA
with interest earning)?
- P35,000.00

3. How much do we charge for an Early Closure Fee

- P200.00

4. This is a savings account for minors with a maintaining balance of P500.00 which only starts on
the 12th month from the time of account opening. Account is converted to Regular Savings w/
Debit card (730) once the owner turns 22 years old.
- Sparks Savings Account

5. An account with zero maintaining balance and initial deposit provided there is at least 1 valid
payroll credit transaction made to the account within a 6-month period; otherwise it will be
converted into a regular account with maintaining balance
- Payroll Savings

6. How much should by the ADB of a Regular Savings Debit Account to earn interest?
- P10,000.00

7. Closing of an account will be considered as Early Closure if made within how many days from
date of account opening
- 30 days

8. During account opening, what do we require from the client as proof of identification?
- 1 valid photo bearing government ID with signature

9. Can we accept the Philsys ID (without signature) during account opening?

- Yes

10. An electronic fund transfer (EFT) service that allows customers to transfer PHP funds almost
instantly between accounts of participating BSP-supervised banks and non-bank Electronic
Money Issuers (EMI) in the Philippines
- InstaPay
11. What is our interest for all Peso CASA products?
- 0.0625% per annum

12. This facility allows withdrawal via ATM even without the presence of the ATM Card for clients
enrolled in MBOA/ MBS
- Cardless Withdrawal

13. A batch electronic fund transfer (EFT) credit payment scheme, which can be considered an
electronic alternative to the paper-based check system. The fund transfer and/or payment
instructions will be processed in bulk and cleared at batch intervals. Transaction has a limit of
P200,000.00 per source account per day.
- PesoNet

14. How much is the transaction limit for each InstaPay transactions
- P50,000.00 per soure account per day

15. A facility under MBO that enables existing account holders to open a new regular time deposit
placement; designate a settlement account from enrolled savings/ current accounts and enjoy
premium rates compare to branch TD placements, all done in the convenience of the client
without visiting their branch of account.
- Online Time Deposit

16. An electronic delivery channel that provides corporate clients with access to transaction banking
products/services through the Internet
- Metrobank Business Online Solutions (MBOS)
TIME DEPOSIT

1. A type of deposit offered to clients with fixed interest rate depending on the preferred amount
and term. Funds cannot be withdrawn until the deposit reach its maturity date.
- Time Deposit

2. How much is the initial deposit for a Peso Short Term Time Deposit Account?
- P10,000.00

3. Short Term Time Deposits have a maximum term of up to how many days?
- 364 days

4. If a TD will be placed for a term of 365 days to 10 years, it is already considered as?
- Long Term Time Deposit

5. Are all Time Deposits required to have a designated settlement account?

- Yes

6. For old TD placements (with CTD issued), in case the settlement account reflects only one of the
accountholders of the placement, all of the accountholders of the placement should sign which
document?
- Letter of Designation

7. This form is required during opening of a TD account. It contains the TD placement details,
terms and conditions, and must be signed by the clients
- TD Placement Form

8. This document is issued to client upon account opening in lieu of the Certificate of Time Deposit.
It is system generated and is no longer required to be presented during termination of
placement
- TD Confirmation Advice

9. How much is the initial deposit for a USD Short Term Time Deposit Account?
- USD 1,000.00

10. What is our current interest rate for TD Online Placements?

- 4.5% per annum
POLICIES AND PROCEDURES

1. A document required from client or its authorized representative agreeing to facilitate their cash
deposit subject to later piece count and posting/validation
- Client Authorization Letter for Cash deposit subject to later Count (CAL for Cash Deposit)

2. Do we allow acceptance of Cash Deposit subject to later count through other branches?
- Yes, provided that institutional Client maintains an account in servicing branch

3. Who are the parties to a check?

- DRAWER-party indebted to payee; criminally/civilly liable for insufficiency of funds
- PAYEE-drawer's creditor
- DRAWEE-Drawer's depository bank

4. All transfers of cash to/ from BOO to CSR or CSR to CSR must be documented by what type of
media?
- Cash Transfer Slip

5. This internal control ensures that there are always two persons to access certain facilities (ie.
Vault, ATM, SDB, etc.)
- Joint Custody

6. A Check that is dated later than the date of its presentation as indicated in the UIC or Bank
Guarantee affixed on its dorsal side by the Presenting Bank.
- Post-dated Check

7. A law enacted by the United States (US) government and requires the Bank to review and
identify all deposit accounts of clients who have indicia of US status (*US Indicia”) for reporting
to the US Internal Revenue Service (IRS).
- Foreign Account Tax Compliance Act (FATCA)

8. Improperly handled accounts closed by the branch shall be tagged as what in IDBS?
- Code Yellow Accounts

9. What is the signing authority limit of CSR Tellers for withdrawal transactions?
- P75,000.00

10. These are accounts closed due to suspicious transactions and/or AML violations
- Code Red Accounts
11. Which transactions are not allowed for MSB clients?
- Cash Deposit
- Sale of Manager’s Check

12. This internal control pertain to the maker and check principle
- Dual Control
-
13. The illegal practice of concealing cash shortage, consists of misappropriating a collection from
one customer and concealing this defalcation by applying a subsequent collection made from
another customer
- Lapping

14. Applications for Manager’s Check with amount exceeding the prescribed threshold must be
accompanied by what document?
- EDD Checklist

15. This refers to certain debit transactions processed in the absence of the client/ authorized
representative based on transaction media endorsed/ facilitated by a branch personnel.
- Client-Not-Present (CNP) Transactions
BBS MISSION AND VISION

MISSION
Make banking easy and accessible to our customers

VISION
To be the commercial bank of choice

METROBANK CORE VALUES

I am a Metrobanker

I am PASSIONATE FOR RESULTS

I act every day to exceed expectations and make meaningful impact

I am a PERSON OF INTEGRITY
I always choose to do the right thing and I act when I see wrongdoing

I am a CHAMPION OF TEAMWORK
I encourage and help my fellow Metrobankers,
we create an inspiring place to work together

I am committed to CUSTOMER SERVICE

I truly care for the people we serve and keep them at the heart of all we do

I am an advocate of HEART FOR COMMUNITY

I believe that it is not enough to make a living, I need to help make lives better

In my thoughts, words, and deeds,

I live up to the promise of being the good hands of Metrobank