RCBC One Account is a peso deposit account which offers savings, checking, and time deposit features in a single account.

It also comes with add-on features such as life insurance, card protect, personal accident insurance, and waived ATM withdrawal fee.

It is designed for individuals who want simplicity, flexibility, and convenience.


Product Features
Minimum Initial Deposit PhP 10,000
Required ADB PhP 10,000
Interest Rate Tiered (0.15% - 1.25%)
Balance to Earn Interest Rate PhP25,000
Fund Access
Over the Counter Yes
Checkbook Yes
RCBC Online Banking Yes
RCBC MyDebit Card Yes
Product Description
  • Customizable account with add-on features such as Life Insurance, Personal Accident and more
  • Tiered interest rate
  • Comes with two (2) variants: ADB-Based or Fee-Based
  • Comes with Debit Card, Checkbook and Transaction Journal

One Account ADB-Based

Define your account’s required Average Daily Balance (ADB) based on your desired features:

You will get ADB Requirement
  • Debit Card & Transaction Journal
  • PHP 10,000
  • Debit Card, Checkbook & Transaction Journal
  • PHP 10,000
Plus enjoy more add-ons when you increase your monthly ADB Additional ADB Requirement
  • Card Protect
  • PHP 5,000
  • Life Insurance
  • PHP 10,000
  • Personal Accident Insurance
  • PHP 15,000
  • Waived Withdrawal Fee from other banks’ local ATM (once a month)
  • PHP 10,000

One Account Fee-Based

Enjoy zero average daily requirement on your account with the Fee-Based Variant. Annual Fee is PHP 3,000.

You will get ADB Requirement
  • Debit Card, Checkbook & Transaction Journal
  • None