All AccessChecking Account

Comes with FREE Life Insurance up to 3x of your average daily balances. A savings and checking account in one for all your banking needs.

What is All Access?

All Access is banking simplified: a savings and checking account in one. It comes with a passbook, checkbook, Everyday Debit/ ATM Mastercard, and FREE Life Insurance.

Opening Balance PHP 5,000
Maintaining Balance PHP 25,000
Balance to earn interest PHP 100,000
Interest rate (p.a.) 0.0625% (0.0675% effective March 1, 2022)
Free Life Insurance Up to 3x your ADB (up to P3M). Learn more here

The Asian Banker’s Deposit Product of the Year awardee for 3 consecutive years—2017, 2018, and 2019.

Why Get All Access?

  • You’ll get a Passbook, Checkbook, and Everyday EMV Mastercard Debit Card. Application only takes 15 minutes!
  • It also comes with FREE Life Insurance up to 3M with no medical exams required!
  • Low opening balance of ₱5,000 only with an end-to-end online application using 1 valid primary ID only.
  • Experience the Best in Class: Our All Access account is The Asian Banker’s Philippine Country Awards—Deposit Product of the Year for 2017, 2018, and 2019.

How to Open an Account

ID/Documentary Requirements

For Resident Citizen, Non-resident Citizen, and Resident Alien 1 primary valid ID or 2 secondary valid IDs Click here for the list of valid IDs
For Non-resident Alien Passport or Alien Certification of Registration (ACR) I – Card

3 Easy Steps for Online Application

  1. Complete the online account opening form.
  2. Wait for the confirmation for an online video call appointment.
  3. Accomplish online video call to finalize the application.

We've made it easier for you to open an account.

Hear from our clients

“As soon as I opened my first AllAccess account, I never looked back. It has all the features I need—mobile banking, a free Debit card, with a passbook and checkbook to boot.”

Christian D.


“When it comes to online banking, I don’t think any local bank comes close to Security [Bank]. Their online facility made transferring funds and paying bills a breeze.”

Jo F.


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Frequently Asked Questions

Is the All-Access account a savings account or a checking account?

The All-Access account allows you to choose whether you want a passbook, checkbook, and/or MasterCard ATM Debit Card. This means it’s really a savings and checking account depending on what your needs are.

Who can open an All Access account?

Anyone can open an All Access account as long as you fulfill the starting and maintaining balance! You can even use it as your payroll account (with at least gross monthly salary of P25K).

How do I open an All Access Account if I already have an existing Security Bank account?

There are no issues opening an All Access account when you already have an existing Security Bank account. You will just need to go through the application process again, this time with less requirements than before. If you’re looking to upgrade an Easy Savings Account to an All Access Checking account, please go to the nearest branch so we can assist you.

What is an Everyday ATM Debit MasterCard?

Everyday MasterCard is an international Debit and ATM MasterCard that you may use for ATM withdrawals, point of sale and online purchases both locally and abroad.

What are the benefits of the Everyday ATM Debit MasterCard?

The Everyday ATM Debit MasterCard entitles you to the ff. benefits:

  • Discount and perks from partner merchants (
  • No annual fee
  • Free renewal of the card upon expiry
  • Free withdrawal from ANY Security Bank ATM

How do I avail discounts and perks from partner merchants?

Use your Everyday ATM Debit MasterCard to transact with the partner merchant. Terms and conditions apply.

How long will it take to receive and activate an Everyday ATM Debit MasterCard?

The ATM Everyday Debit MasterCard is instantly issued upon account opening. Activation, however, takes 24 hours. You may only use your card the day after account opening. Note that the Everyday Debit MasterCard must be activated first through a Security Bank ATM Machine before you can use another bank’s ATM.

Can I use my Everyday ATM Debit MasterCard in other banks’ ATMs?

Yes, you can use your card in CashLink, BancNet, or MegaLink ATMs nationwide. Outside the Philippines, you can use any ATM that accepts MasterCard. Please note however that certain withdrawal fees and charges apply.

What do I do if my Everyday ATM Debit MasterCard gets lost or stolen?

Immediately inform us of the lost or stolen privilege card by calling the Customer Service Hotline at (632) 8887-9188. You may also go to any branch to have your card replaced. A card replacement fee of P150 will be charged.

When does my Everyday ATM Debit MasterCard expire? How can I renew it?

Your card will expire 5 years after getting it. Upon expiry, present your card to any Security Bank branch for free renewal.

Can I choose to defer either the checkbook, passbook, or Everyday ATM Debit MasterCard?

Yes, you may choose to avail one, a combination of any two, or all three facilities available to the All Access Account (checkbook, passbook, ATM).

When can I activate my account in Digibanker and SBOL?

This will follow the existing turnaround time: Digibanker – 2 to 3 days upon enrollment Security Bank Online – Within 24 hours upon enrollment Don’t know how to activate? Click here.

List of Valid IDs
ACR / ICR Barangay Certification
Digitized Persons with Disabilities (PWD) ID City Health Card / Health Certificate Card
Driver’s License Company ID – Shall be classified as Primary ID for Security Bank employees and subsidiaries
GSIS e-Card DSWD Certification
Integrated Bar of the Philippines GOCC ID [e.g. Armed Forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)]
Maritime Industry Authority (MARINA) ID NBI Clearance
Passport OWWA ID
Philippine Identification (PhilID) Card Pag-IBIG Loyalty Card
Postal ID (PVC Plastic Card) Digitized/PVC PhilHealth Insurance Card ng Bayan (PHICB)
PRC ID Police Clearance
School ID Postal ID (Paper-based card)
Senior Citizen Card Seaman’s Book
Special Resident Retiree’s Visa (SRRV) ID Solo Parent ID
SSS Card Tax Identification Number (TIN)
Unified Multi-Purpose ID
Voter’s ID

Additional identifications (IDs) or documents may be required by our branch based on the interview and the type of account to be opened. The Bank reserves the right to decline account opening request based on its evaluations.

Deposits are insured by PDIC up to P500,000 per depositor