1. Definition of Terms 

The following terms and phrases, unless otherwise indicated in these terms and conditions, shall have the meanings hereinafter assigned to them:

1.1. “Promo” means this Save, Keep and Get Cash Rewards Promo. 

1.2. “Promotion Period” or “Promo Period” is from August 8, 2026 until 11:59pm of January 31, 2027. 

1.3. “Notification and Registration Period” shall refer to the timeframe within which client has registered to the promo via the official registration page and must receive a confirmation message upon successful completion. 

1.4. “Build-Up Period” shall refer to the timeframe wherein the client must save the minimum amount in their SBC payroll account on top of the savings from the previous month to qualify.  

 1.5. “Retention Period” means the duration that the required minimum amount saved during the Build-up month must remain in the client’s payroll account to be eligible for the cash credits.  

1.6. “Rewards Credit Period” shall refer to the period wherein the client will receive the cash credit for successfully retaining the required funds in their account throughout the retention period. It is on or before the last calendar day of the following month after the last retention month that the customer joined. 

1.7. “Bank” or “SBC” or “Security Bank” means Security Bank Corporation.   

1.8. “Eligible client” means new-to-bank or existing-to-bank client who maintains a Philippine peso denominated checking or savings payroll account with the Bank and who meets the eligibility criteria set forth in 2.1. 

1.9. “Active Payroll Accounts” means that the SBC payroll account has received at least 1 payroll credit in the past 90 days from its employer that availed of SBC Payroll facility. 

1.10. “Inactive Payroll Account” means that the SBC payroll account has not received any salary credit for more than 90 days from its employer that availed of SBC Payroll facility. 

1.11. ‘Payroll Credit or Salary Credit” refers to the salary amount credited to the Security Bank Philippine peso denominated checking or savings payroll account.   

1.12. “CASA” means checking or savings account or deposit account.  

1.13. “OB” means outstanding balance, which refers to the total amount of money currently held in a checking or savings account. It represents the account’s available balance at a specific point in time, including funds that have been deposited and not yet withdrawn or transferred.

1.14. “ADB” means average daily balance, which is the sum of the daily balances in an account during a billing period, divided by the number of days of that period.

1.15. “EDM” means electronic direct mail or “e-mail”. 

1.16. “SMS” means short message service, commonly referred to as “text message”. 

1.17. “Viber” means a social media application utilized by SBC to send notifications or messages to the client through SBC’s official Viber. 

1.18. “In-App Notification” means inbox notifications sent to the client via the official Security Bank app.  

2. Promotion 

2.1. Eligibility 

2.1.1. This Promo is open to pre-selected clients with existing and active Philippine Peso-denominated checking or savings Security Bank payroll account, who will receive a notification from SBC regarding this Promo via Viber, SMS, EDM and/or In-app Notification. Security Bank reserves the right to determine whether a transaction qualifies as a payroll or salary credit based on its records, payroll tagging, source account information, transaction codes, and internal monitoring systems. Self-funding, cash deposits, transfers, reversals, corrections, or similar transactions shall not be considered payroll credits unless expressly recognized by the Bank.   

2.1.2. To be eligible, the client must be an individual retail client and actively receive salary credits following the definition mentioned in section 1.9. 

2.1.3. Corporate clients or accounts, trust accounts, settlement accounts, and clients with more than one (1) active payroll account are excluded from this promo.  

2.1.4. To be eligible, the client must have an updated mobile number and email address registered with SBC. 

2.1.5. Security Bank shall determine the client’s assigned classification and target based on its internal records as of date determined solely by the Bank prior to the commencement of the applicable Notification and Registration Period. The Bank’s record shall be final, conclusive and binding for purposes of determining the eligibility, assigned target, qualification status, and reward entitlement, absent manifest error and  subject to applicable laws and regulations.

2.1.6. Security Bank reserves the right to disqualify any participant found to have violated these Promo Mechanics, attempted to manipulate the Promo, committed fraud, misrepresentation, abuse, or suspicious activity, or breached any applicable Security Bank product terms and conditions. The Bank further reserves the right to withhold, reverse, recover, or cancel any reward already credited where subsequent validation reveals ineligibility, fraud, system abuse, operational error, duplicate crediting, or violation of these terms and conditions.  

 2.2. How to Participate 

2.2.1. Customers will receive targeted communications via EDM, SMS, Viber, and/or In-App Notification, briefing them about the promo and its incentive. 

2.2.2. Customers will be informed of the amount they must save specified in the notification sent to them via EDM, SMS, and/or Viber.  

2.2.3. They must register for the campaign to qualify for their participation in the promo via the official instructions and links specified via EDM, SMS, Viber and/or -In-App Notification. The Bank shall not be liable for lost, delayed, incomplete, corrupted, misdirected, unsuccessful, or unrecorded registrations arising from system downtime, network failure, telecommunications issues, force majeure events, third-party platform disruptions, or circumstances beyond the Bank’s reasonable control. Only registrations reflected in the Bank’s official records shall be deemed valid.

2.2.4. Eligible clients for each “Build-up Period” and “Retention Period”, must receive a notification regarding the specific Build-up and Retention sent to them via Viber, SMS, EDM and/or In-App Notification. If the client receives notification for only one (1) Build-Up Period, the client can only participate in that specific Build-Up and Retention Period. 

2.2.5. To qualify, the required incremental savings amount must be funded through legitimate sources acceptable to the Bank and must not arise solely from temporary transfers intended to artificially satisfy the promo requirements. The Bank reserves the right to determine whether the build-up requirement has been genuinely achieved.  

2.2.6. To illustrate the promo calendar, please see the table below:

2.3 Awarding of Cash Credits 

2.3.1. Qualified clients who are able to meet the requirements specified on the official promo communication materials will receive their specified cash credits indicated through their active primary checking or savings payroll account tagged in the SBC system as the payroll account designated by Security Bank in its records for purposes of payroll crediting and reward fulfillment under this promo.

2.3.2. If the client does not have an existing active Philippine peso-denominated savings or checking payroll account by the Rewards Credit Period, the rewards will be forfeited without further notice and cannot be reinstated, converted to cash, transferred, assigned, or otherwise substituted. By participating in the Promo, clients acknowledge that maintenance of an active payroll account through the applicable Reward Crediting Period is a material condition for reward entitlement. 

2.3.3. The applicable tax of the cash credits shall be shouldered by SBC.

2.3.4. The awarding of cash credits will be made no later than the last calendar day of the month after the client’s Retention Period as indicated in the table in 2.2.6.

2.3.5. If the qualified client joins multiple build-up periods, and meets the requirements of each, the client will be receiving their cash credits on a per period basis.

2.3.6. Security Bank shall validate all registrations, payroll account status, app transactions, and other qualification requirements before crediting any reward. Transactions determined by Security Bank to be fraudulent, suspicious, erroneous, reversed, cancelled, disputed, or intended to circumvent the Promo mechanics shall not qualify.

2.3.7. Security Bank shall not be liable for a participant’s failure to receive any SMS, email, Viber, in-app notification, or other communication due to incorrect customer information, device settings, spam filters, telecommunications issues, service interruptions, or circumstances beyond the Bank’s control. 

3. General 

3.1. Clients who participate in this Promo are responsible for reviewing its terms and conditions, along with those related to account opening and maintenance, data privacy, and other deposit products, services, and facilities. By participating, the Clients agree that their data will be processed in accordance with SBC’s Privacy Policy. They also acknowledge that these terms and conditions may be subject to future amendments. Any material amendment affecting eligibility, qualification requirements, rewards, or other substantive provisions of the Promo shall be subject to applicable regulatory requirements, including DTI approval when required. 

3.2. All questions and disputes with respect to the Promo shall be resolved solely by the Bank based on its own records, subject to applicable laws and regulations, and with the concurrence of the DTI. The Bank’s decision shall be final, binding and conclusive.

3.3. Security Bank will never ask for OTPs, CVC, and/or PIN via call, text, or email in relation to this promo. 

3.4. Terms and conditions governing the issuance and use of the Deposit Accounts shall apply.   

3.5. All queries regarding this promo shall be directed to Security Bank Customer Service Hotline at +632 8887-9188 or contact us at mail to: [email protected]. 

3.6. By participating in this Promo, the client authorizes Security Bank to process his or her personal information for purposes of promo administration, validation of eligibility and qualification, reward fulfillment, fraud prevention, customer servicing, and compliance with legal and regulatory obligations, in accordance with applicable data privacy laws and Security Bank’s Privacy Policy.

3.7. To the fullest extent permitted by law, Security Bank shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to participation in the Promo, including loss of opportunity, profit, savings, data, goodwill, or expected rewards. 

3.8. Security Bank reserves the right, subject to applicable laws, regulations, and regulatory approvals where required, to suspend, discontinue, amend, shorten, extend, or terminate the Promo in the event of fraud, abuse, systems issues, regulatory directives, force majeure events, or circumstances beyond its reasonable control. 

3.9. Security Bank shall not be responsible for any delay or failure in performing its obligations under this Promo caused by events beyond its reasonable control, including acts of God, natural disasters, pandemics, power interruptions, cyber incidents, telecommunications failures, labor disputes, government actions, regulatory restrictions, or similar events. 

Per DTI Fair Trade Permit No. FTEB-264453, Series of 2026. 

Security Bank Corporation regulated by the Bangko Sentral ng Pilipinas (BSP) with email address [email protected].  

The promo is open only to pre-selected individual payroll clients who are active account holders of a Philippine peso-denominated checking or savings payroll account with Security Bank and who received a notification about the promo via Viber, SMS, and/or EDM. Clients must also have updated mobile and email information in Security Bank’s official records. 

No. Corporate, trust, and settlement accounts are not eligible. 

No. Clients with more than one (1) active Security Bank payroll account are not eligible to participate in this promo.

This refers to the period when eligible clients receive a promo notification with the mechanics and an invitation to register through the official registration page. He/she will receive a confirmation message upon successful registration. This is the same period as the build-up period. 

Eligible customers who receive an email, Viber message, SMS and/or  In-App Notification about the promo can register through the official registration link provided in the communication received. 

Registration must be completed before building up the payroll account balance to meet the promo requirements. Customers only need to register once, even if they join multiple build-up periods. A confirmation message will be sent after successful registration. 

The “Build-up Period” is the period when customers must save the required minimum amount in their payroll account each month, on top of the previous month’s balance, to qualify for the promo. 

The “Retention Period” is the period when the required minimum amount saved during the Build-up Period must remain in the client’s payroll account to qualify for the cash reward. 

The “Rewards Crediting Period” is the period when eligible participants who have completed the promo requirements will receive their cash rewards. Rewards will be credited on or before the last calendar day of the month following the final Retention Period joined. 

For an illustration of the Registration Period, Build-up Period, Retention Period, and Rewards Crediting Period, please refer to the table below: 

The outstanding balance is the total amount of money currently held in your payroll account at a specific point in time, including funds that have been deposited and not withdrawn or transferred 

Your required outstanding balance is based on your monthly salary credits. This is the amount that must be in your Security Bank payroll account by the end of each Build-up Period and remain in the account throughout the Retention Period. 

Your fixed cash reward is based on your average monthly payroll salary credits. The reward amount is stated in email, Viber message, and/or SMS sent to you about the promo. 

To qualify, you must register during the Registration Period, meet the required outstanding balance during the Build-up Period, and retain the amount in your payroll account throughout the Retention Period. 

To qualify, you must meet the minimum increase in your month-to-date Outstanding Balance (OB) specified in the promo communications by the end of each calendar month during the Build-up Period. 

Your ending OB for the Build-up month must increase by at least the required promo amount compared with your ending outstanding balance from the previous month. Deposits must be cleared within the covered period. Your OB is affected by both fund inflows and outflows. 

You can increase your OB by retaining your salary credits in your Security Bank payroll account. Internal fund transfers between Security Bank personal accounts are excluded as a source of funds for increasing your OB. Security Bank reserves the right to disregard transactions that are fraudulent, artificial, temporary, intended solely to satisfy promo requirements, or otherwise inconsistent with the promo mechanics. Qualification shall be based on Security Bank’s validation and records. 

Please ensure that your incremental month-to-date Average Daily Balance (ADB) meets the promo requirement for each month of the Retention Period. Qualification during the Retention Period shall be based on the required ADB threshold specified in your promo offer and validated by Security Bank. 

The month-to-date ADB is the sum of the account’s end-of-day balances for the month, divided by the number of calendar days in that month. 

• MTD ADB = (Day 1 ending balance + … + Day 30 or 31 ending balance) / (Number of days in the month (e.g., 30 or 31 days)) 

No. You will receive the same fixed cash reward assigned to you, even if you save or retain more than the minimum required amount. 

No. To qualify, you must increase your outstanding balance by the required amount during each Build-up Period. This amount must be on top of your ending balance from the previous month. 

If you do not meet the required outstanding balance by the end of the Build-up Period and/or retain it throughout the full Retention Period, you will not qualify for the cash reward. 

You must maintain an active Security Bank payroll account until the reward is credited. If your account is closed, becomes inactive, or is otherwise ineligible before reward crediting, your reward will  be forfeited in accordance with the Promo Terms and Conditions and cannot be reinstated, transferred, assigned, or substituted. 

Yes, but Security Bank will shoulder the applicable tax on the cash reward. You will receive the full reward amount stated in the email, Viber message, and/or SMS, provided you meet the promo requirements. 

The cash reward will be credited to the eligible payroll account indicated in the email, Viber message, SMS, and/or in-app notification sent to you. 

If you believe you’re eligible but did not receive a promo notification, please call our Customer Service Hotline at +632 8887-9188 or email [email protected]. 

For questions or disputes, please call Security Bank’s Customer Service Hotline at +632 8887-9188 or email [email protected]. 

Questions and disputes relating to the promo shall be resolved by Security Bank based on its records, subject to applicable laws and regulations and with the concurrence of the DTI. The Bank’s decision shall be final, binding and conclusive.