An account of everyday usual specifically designed for agribusiness, with access to light revolving credit to manage the cash flow of the season. All surplus funds may be applied to offset balances discovered and minimize the overall cost of funding, while the positive balances gets interest. And there is only one set monthly fee for the number of operations you want.


Who it may be appropriated

Rural business is looking for a bank account to manage day to day operations online, by phone or through a bank branch.

Rural businesses who wished to get flexible access to lending to help operate seasonal cash flow variations.

Benefits of an GIB Rural Current Account.

Simplicity

Having the transaction and discovered through the same account means it is easy to see the account balance and administers investments effectively, without the need to transfer funds between accounts.


Cost-effectiveness

There are no refunds minimum or fixed so you can easily manage your finances in a market where the payment terms or amounts are indefinite or seasonal. And by linking your account and discovered currents, the money in your account the interest charged daily, saving on costs of interest.


Flexibility

The Rural current account expected seasonal limitations discovered that follow, in line with your needs for cash flow throughout the year.


Convenience

You can access your current account rural way that suits you - online, by phone, ATM, EFTPOS off in person at your local branch or through your Regional Manager.

The nature of the agricultural sector means that there can be no spaces between financing long-term loans and cash management day by day. Fortunately, these omissions may be covered with short-term employment solutions funds.

Who it may suit

Rural businesses in search of capital services in the short term that are more applicable to a term loan and cheaper than an overdraft.

Features of an GIB Regional Flexible Facility

Revolving credit facility

No fixed or regular repayments are required

No transaction fees should be applied in any month in which you act less than five transactions of the same month

Debt interest is charged only on the portion of the funds used (a Commission Discovered management may apply)

It can be communicated to the GIB Rural account for convenient access

If you have surplus to invest in or hold an expected, GIB can help you make the most of it with a range of deposit options that offer interest rates democratic.



Term Deposits


Who it may be destined to

Time deposits are very suitable for companies that wish to invest money with the assurance of a competitive, fixed return for a specific period of time (break costs can be applied if the investments are needed before the end of the term).


GIB Term Deposit preferences:

An investment convenient and simple - you can register a term deposit online

Attractive rates

Flexible options

Deposits term can be considered as security

There is no charge if deposit is held to maturity

Call Deposit Accounts


Who it may be useful

GIB Call Accounts are perfect for surplus funds you may be in need in the close future, since they combine easy access to your investments with competitive interest rates.


GIB Commercial Call Deposit account benefits

The attractive interest rates combined with low fees and cash 'on call'

Waterfall or flat prices

Easy access to funds through phone banking, internet or in person

No expense are required if accessible online

You get monthly reports that allow you to control the deposit

There are no deposit or withdrawal frames minimum or maximum

If you are a farmer or peasant life is your time-survivor. GIB offers a choice of convenient ways to bank so you can use your farm capital and personal funds to work the way that best meet your needs.



Internet banking

It's easy, simple and convenient

GIB Internet Banking lets you manage your day-by-day banking online at any time and anywhere.

Manage your accounts

View your net balance and transaction records.

Transfer funds

Transfer money between your accounts.

One off payments

Make one off payments to any other bank account in Philippines.

Pay Bills

Pay bills to over 2,000 billers GIB recorded. You can also save your family and friends, as an auto chosen bill payments so that there is no need to keep in mind their account numbers.

Security

GIB employs a series of security measures to protect data from personal accounts. You can also choose to be registered for OnlineCode that sends a message TXT with a special code to your cell phone number as identification to two factors.

Guarantee

GIB will not be responsible for unauthorized transactions ANY Supplied with fitting the Electronic Banking Conditions of Use.

Access Globally

Access to all accounts linked to Internet Banking 24 hours a day, seven days a week from anywhere in the world.

SecureMail

Secure email service within Internet Banking that I can send the account details and inquiries safely.



GoMoney

Mobile phone banking is the convenient way to do your banking on-the-go, anytime, anywhere.

GIB goMoney is designed specifically for the iPhone or Android phones and is easy to use, safe and comfortable your mobile data plan.



Direct Online

GIB Live Online offers a wide range of electronic banking services specifically tailored to businesses. Access accounts your business 24/7 from home or from work.

GIB Live online is also combined with many large accounts and payroll software packages to save double keying for payments.



Phone banking

GIB Phone Banking gives you the ability to operate your farm and personal accounts via any touchtone telephone daily and anywhere.


Reorganization of GIB Phone Banking is coming soon

We are making some improvements to the service of phone banking of GIB in February - in response to customer feedback. These include:

Future Dated Bill Payments back. You will be able to set the payments up to 90 days in advance and remove the imminent payment of bills.

Branches and Managers


Branches and ATMs

GIB has more branches in more places than any other bank. With over 250 locations around the country, you will find one in a town or city near you that offers personalized service, or individual. And with over 650 ATMs you can use for free charge (more than anyone). You're never far from your money.


Regional Managers

A GIB are committed to help farms to grow. That's why we have Regional Managers experienced than any other bank, providing local support. All have practical experience of farming so they know the problems you face every day, and can visit you in the company to help you with all your banking and financial needs.

How best agribusiness bank of the Philippines, GIB carries the risk that the rural sector is faced with, which is why we work with some of the best suppliers of the insurance industry, providing a complete set of insurance policies rural works to meet your needs.


Our most desired regional insurance policies include reimbursement for:

Farm assets
Indemnity for accidental physical loss or damage to farm assets including buildings, harvest and machinery.

Milk production
Cover the loss of milk due to contamination, temperature variation or prevention of access.

Livestock
Cover for death of livestock as a result of specified disasters including fire and lightning.

Farm economy interruption
Cover for loss of profits, staff salary and other increased expenses of operation following a claim under the Farm Assets policy.

General liability
Reimbursement for personal injury and property damage liability, legal fees and expenses as a result of agricultural activities that cause accidental damage property of others. This can be extended to include Mayor cover liability for the violation of a law undeliberate assured Parliament and the employers of responsibility for accidents at work is not reimbursed by the ACC.

Domestic property
Coverage for homes and agricultural structures personal.

Vehicles and equipment. Coverage for the vehicles and equipment that are exploited and registered in the company.

We also have a range of universal life insurance, including coverage for the greater risk person, to ensure your family and your business is protected regional, or should someone important in your business.

GIB has a range of credit cards to suit your needs day by day, from the low-interest or low-cost credit cards for everyday use of credit cards that allow you to reward your spending.

Find out more by entering the Credit Card section.