BSP-licensed and regulated
Operating in full compliance with all applicable banking laws and regulations. BSP Website
Time Deposit
Earn up to 6.00% p.a. interest
Competitive rates for your savings goals.
Flexible Terms (1 to 5 Years)
Choose a lock-in period that fits your goals.
Interest accrues according to product terms
Interest is credited based on the applicable deposit schedule.
Insured by PDIC
Deposits are insured up to ₱1 Million per depositor.
Flexible Savings
Earn up to 4.00% p.a. interest
Competitive rates with 24/7 access to your funds.
No Lock-in Period
Withdraw anytime, subject to applicable limits and terms.
Interest accrues daily
Interest is computed daily and credited based on product terms.
Insured by PDIC
Deposits are insured up to ₱1 Million per depositor.
Choose the perfect savings plan
Competitive rates for your savings goals.
₱
Should be between ₱5,000.00 to ₱50,000,000.00
Terms
Interest
6.00% p.a
Annual Interest
₱1,500.00
Total Interest
₱4,500.00
How can we reach you?
We will reach out to you shortly
Application Received!
Thank you for choosing Finbubu. Our financial specialist will contact you within 24 hours via phone or SMS to assist you with your time deposit application.
Gross earnings shown above are estimates. The final amount will be calculated based on the Terms & Conditions applied to your account.
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Business Savings account
Maximize revenue from your small to medium enterprise by keeping your business funds in an account that earns 3% interest p.a.
Apply now →Visit us in person
Sayre Highway, West Kibawe, Kibawe, Bukidnon
View on map →Top up methods
You can easily deposit funds to our account via our official Finbubu's partners. Once received, the funds will be credited to your account with us.
Via QR Ph
In the Account Information section, you can generate a QR Ph code and upload it to the e-wallet or bank app you prefer.
Via PESONet:
For funding your deposit account, please follow the instructions provided by your relationship manager or use the authorized funding channels available for your account type.
FAQs
Yes. Rural Bank of Kibawe (Bukidnon), Inc. is an officially licensed and BSP-supervised rural bank, authorized to provide deposit-taking and regulated financial services in compliance with Philippine banking laws.
The requirements to open a bank account include one (1) valid government ID, and one (1) recent 1X1 ID photo. An Alien Certificate of Registration is required for foreign nationals.
Here are the IDs you can submit for your application:
Unified Multi-Purpose Identification (UMID) Card
Driver's License
PhilSys ID (Philippine Identification System ID)
Social Security System (SSS) Card
Philippine passport
Postal ID PRC and Voter’s IDs are not accepted. Also, we only accept the plastic card PhilSys ID, not the digital or printed version.
Unified Multi-Purpose Identification (UMID) Card
Driver's License
PhilSys ID (Philippine Identification System ID)
Social Security System (SSS) Card
Philippine passport
Postal ID PRC and Voter’s IDs are not accepted. Also, we only accept the plastic card PhilSys ID, not the digital or printed version.
Maintenance – Free of charge
Fee for Issuance of Bank Statements – Free
Certification of Deposit Fee – Free
Tax – 20% withholding tax applied to matured time deposit accounts
Dormancy Fee – ₱30, applied after 5 years of inactivity
Stop Payment Order Charge – ₱2,200
Fee for Issuance of Bank Statements – Free
Certification of Deposit Fee – Free
Tax – 20% withholding tax applied to matured time deposit accounts
Dormancy Fee – ₱30, applied after 5 years of inactivity
Stop Payment Order Charge – ₱2,200
Yes, deposits are insured by the Philippine Deposit Insurance Corporation (PDIC) for up to ₱1 Million per depositor. For more information, you may visit https://www.pdic.gov.ph/
Yes, a joint account shall be insured by PDIC separately from any individually-owned deposit account/s. If the account is held jointly by two or more natural persons, the maximum insured deposit shall be divided into as many equal shares as there are individuals unless a different sharing is stipulated in the document of deposit.
For Regular Savings Deposit, the client will earn 3% interest rate per annum. Demand Deposit is a non-interest-bearing deposit. For Time Deposit accounts, interest rates are as follows:
Deposit amount – ₱10,000.00 to ₱499,999.99: 1 year to 2 years – 5%; 3 years to 5 years – 6%.
Deposit amount – ₱10,000.00 to ₱499,999.99: 1 year to 2 years – 5%; 3 years to 5 years – 6%.
Clients may open an account with Rural Bank of Kibawe (Bukidnon), Inc., located at Sayre Highway, West Kibawe, Kibawe, Bukidnon. You may also begin the process online by completing our application form. One of our telesales representatives will then contact you to walk you through Finbubu Time Deposit. Subsequently, they will assign a Relationship Manager to assist you with completing the account opening procedure.
Your account starts earning interest as soon as money is credited. Interest is earned monthly and will be credited to your Finbubu Time Deposit account at the end of each month. All interest earnings are subject to a 20% withholding tax.
Once your deposit account is opened, your relationship manager will provide the applicable funding instructions and deposit channels for your account type.
Minimum initial deposit: ₱10,000. To enjoy up to 6% p.a. returns, the deposit tenure must be at least 3 years.
Withdrawing your money after the maturity period will not affect any interest earned from the previous term. Your account will automatically roll over or extend to a new term, unless you specify otherwise.
Your Finbubu Time Deposit will be pre-terminated. In this case, you will earn a reduced interest rate of 1.00%, and a pre-termination fee of 0.75% of your initial deposit will also be applied.
The best way to reach us is via in-app chat in the Finbubu app. Alternatively, you may contact us through our official email and hotline, or visit our physical branches.
Finbubu is operated by Finbubu Limited, which provides platform-as-a-service (PaaS) to its partner, Rural Bank of Kibawe (Bukidnon), Inc.
Terms and Conditions apply. All deposit and credit products and services made available through Finbubu are provided exclusively by Rural Bank of Kibawe (Bukidnon), Inc. Finbubu Time Deposit is a deposit product of Rural Bank of Kibawe (Bukidnon), Inc., a duly licensed and regulated bank supervised by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are accepted only within bank premises or through authorized bank channels. Deposits are insured by PDIC up to ₱1 Million per depositor.
Credit services are provided by licensed financial institutions. Approval, credit limits, interest rates, and repayment terms are subject to partner evaluation and applicable regulations.