What Is a Premium Savings Account? Discover the Power of Premium Banking

True financial freedom starts with the right partner. But in a world full of choices and fast-paced living, simply setting your money aside is not enough. What if your savings could unlock new experiences, personalized service, and exclusive advantages? That is what a premium savings account promises—a banking journey designed for go-getters, achievers, and those who want every peso working smarter for both today and tomorrow.

What Is a Premium Bank Account?

A premium bank account goes beyond the basics of traditional banking. It is crafted for those who value not just growing their funds, but also making each transaction seamless, secure, and rewarding. With a premium account, you gain access to benefits that elevate your financial life: think higher balance thresholds, prioritized  customer service, custom advice, and special lifestyle privileges.

Key features often include:

• Personalized relationship managers
• Priority service and faster transactions
• Access to exclusive investment opportunities
• Lower fees and preferential rates
• Enhanced digital tools and branch support

A premium savings account turns routine banking into a platform for growth, convenience, and peace of mind.

Premium Savings vs. Regular Savings Account: What Sets Them Apart?

A premium savings account differs from a regular savings account in some key ways. With a standard account, you get dependable basics: a place to keep your money safe and grow it at a modest rate. Premium savings, on the other hand, deliver extra value for people seeking more from their bank. These accounts usually ask for a higher minimum balance, but in return, you often see better interest rates or special rewards that help your savings do more.

You’ll also notice a clear difference in customer service. Waiting your turn in line or reaching out to a general help desk is typical with a regular savings account. With a premium account, you skip much of the hassle. You’re given priority and can even work directly with a relationship manager who helps tailor advice to your financial goals. Plus, you get access to investment opportunities before most people and enjoy perks like fee waivers that don’t come standard with basic accounts.

With premium accounts, digital banking features come with more perks. These include benefits like free fund transfers to other local banks, zero withdrawal fees at nationwide ATMs, and even free international ATM withdrawals. Lifestyle benefits and special privileges further distinguish premium accounts, transforming everyday transactions into valued experiences.

In short, a premium savings account means taking your financial management beyond the essentials, providing convenience, personalized care, and opportunities tailored to help you reach your bigger goals.

Premium bank accounts favor people who have higher balances and expect more from their money: more service, better experience, and a sense of belonging to a community that matches their ambitions.

Meet RCBC Hexagon Club: Your Gateway to Premium Banking

At RCBC, the Hexagon Club embodies everything a premium savings account strives for and more. It is a trusted, well-established program that turns banking into something extraordinary. The Hexagon Club unlocks a lifestyle where your financial partner understands that you have big goals, diverse priorities, and a need for both freedom and security.

A Club That Matches Your Aspirations: The Hexagon Club Advantage

What does it mean to have a premium savings account with RCBC? By maintaining the required balance in your RCBC account, you gain entry into a world of benefits designed to fit your dynamic lifestyle, whether you manage bustling schedules, family commitments, or evolving career goals. 

Here is how Hexagon Club uniquely delivers to mass affluent individuals:

• Tailored service: Dedicated relationship managers guide you through financial decisions so you can focus on what truly matters.
• Powerful digital solutions: Stay on top of your portfolio with robust, secure online and mobile banking.
• Convenience redefined: Skip the lines with priority queuing, tap into a priority phone line, and enjoy fast response wherever you are.
• Access to Priority Phone Line: Reach experienced advisers faster for quick solutions.
• Dedicated Relationship Manager: Personalized assistance and strategies for your unique life goals.
• Preferential Rates: Special rates on time deposits, loans, and foreign exchange.
• Exclusive Credit Card Perks: Enjoy a free-for-life RCBC Hexagon Club credit card, plus unique deals on RCBC Corporate credit cards and merchant accreditation.
• Zero Withdrawal Fees: Withdraw cash from any BancNet ATM across the Philippines without penalty, and enjoy free international ATM withdrawals annually.
• First Crack on Investments: Get early and exclusive access to investment products—securing your future ahead of the crowd.
• Invitations to Exclusive Events: Enjoy special experiences, promos, and community networking to enhance your journey.

Every feature is designed to help you balance today’s ambitions with tomorrow’s security, so you can embrace new opportunities with confidence.

Premium Bank Account Requirements

Gaining access to a premium savings account means meeting certain eligibility criteria. After all, these benefits are designed for mass affluent individuals who maintain substantial balances and strategic finances.

The following table breaks down RCBC Hexagon Club’s tiers and their requirements:

*CASA (Current Account/Savings Account) is the combined average daily balance of your current and savings accounts.

Enrolling is simple. Once you meet the required minimum balance, just visit your nearest RCBC branch or inquire online, sign the enrollment form, and unlock the doors to a better banking experience.

Make the Move to Premium Banking with RCBC

Are you still settling for less when your needs and aspirations call for more? Now is the perfect time to know what it means to have a premium savings account that keeps up with your every milestone. RCBC invites you to join the Hexagon Club and experience how true partnership fuels your success.

Walk into any RCBC branch or inquire online for premium and mass affluent bank account options. Let each transaction, investment, and consultation bring you closer to your biggest goals. With RCBC, you gain a banking partner committed to delivering excellence with every step and every peso.