Malarayat Rural Bank, Inc.
Since 1956

Passbook Account

A bright future can begin with a step towards the right direction. At MLRYT, saving for it is easy because we can make it feel like a walk in the park. With our deposit products, you can be certain that you’re on the right track with every stride.

  • Passbook
  • Interest-earning
Savings Account

Bank Advisory

PABATID SA KLIYENTE

Alinsunod sa Circular No. 1218, ang Bangko Sentral ng Pilipinas (BSP) ay naglabas ng Circular No. 1230 na may petsang 27 Pebrero 2026 tungkol sa Risk-Based Recalibration ng Enhanced Due Diligence (EDD) Threshold para sa malalaking cash na transaksyon. Sa nasabing circular, ang itinakdang halaga na nangangailangan ng Enhanced Due Diligence (EDD) para sa malalaking cash na transaksyon ay itinaas sa Php 1,000,000.00. Ang mga withdrawal na lalampas sa itinakdang limitasyon, maging ito man ay isang beses na transaksyon o pinagsama-samang mga transaksyon sa loob ng iisang araw ng pagbabangko, ay sasailalim sa EDD procedures. Kakailanganin ng kliyente na magbigay ng sapat na impormasyon at mga sumusuportang dokumento upang mapatunayan ang lehitimong layunin ng transaksyon bago ito maaprubahan. Sama-sama nating panatilihin ang ligtas at responsableng pagbabangko.

Requirements

Saving Accounts

Build a stronger financial future with MLRYT Savings Accounts. Enjoy secure, accessible, and rewarding banking designed to help you manage your money with ease. Whether you’re saving for daily needs or long-term goals, our savings options give you flexibility, competitive interest rates, and the confidence to grow your funds safely.

Requirements
Regular Savings Account

Regular Savings Account

A single individual transacts with the Bank under his own name and evidenced by a Regular Savings Deposit Passbook
Requirement
  • Any Proof of Identity
  • One (1) Valid Identification Documents (ID))
  • Two (2) pcs. latest 2x2 picture
  • Alien Certificate of Registration if foreign national
  • Completed Account Opening Forms
  • Minimum Initial Deposit: ₱500.00
Features
  • Passbook
  • Interest Rate: 0.5%
  • Maintaining Balance: ₱500.00
  • Minimum Balance to Earn Interest: ₱500.00
Regular Savings Account (ITF)

Regular Savings Account (ITF)

In-Trust-For (ITF) Accounts (accounts opened in behalf of minors)
Requirements
  • 1 valid ID of Legal Guardian
  • Child’s Birth Certificate
  • Minimum Initial Deposit: ₱500.00
Features
  • Passbook
  • Interest Rate: 0.5%
  • Minimum Maintaining Balance: ₱500.00
  • Minimum Balance to Earn Interest: ₱500.00
*Apt for newborns up to kids aged 12 years old.
SSS Pension Account

SSS Pension Account

The savings account for SSS Pension Account*.
Requirements
  • 1 valid ID of Legal Guardian
  • Child’s Birth Certificate
  • Minimum Initial Deposit: ₱500.00
Features
  • Passbook
  • Interest Rate: 0.5%
  • Minimum Maintaining Balance: ₱100.00
  • Minimum Balance to Earn Interest: ₱500.00

Checking Account

Manage your finances with confidence and convenience through MLRYT Checking Accounts. Designed for both personal and business needs, our checking options make everyday transactions simple and secure. Enjoy easy access to your funds, reliable payment solutions, and the flexibility to keep your finances running smoothly—anytime, anywhere.

Requirements
Personal Checking Account

Personal Checking Account

The ultimate checking account that earns interest.
Requirement
  • Any Proof of Identity
  • One (1) Valid Identification Documents (ID))
  • Two (2) pcs. latest 2x2 picture
  • Alien Certificate of Registration if foreign national
  • Completed Account Opening Forms
  • Minimum Initial Deposit: ₱15,000.00
Features
  • Passbook
  • Interest Rate: 0.5%
  • Maintaining Balance: ₱15,000.00
  • Minimum Balance to Earn Interest: ₱15,000.00
Business Checking Account

Business Checking Account

The optimum checking account for your business
Requirement
  • Any Proof of Identity
  • One (1) Valid Identification Documents (ID))
  • Two (2) pcs. latest 2x2 picture
  • Alien Certificate of Registration if foreign national
  • Completed Account Opening Forms
  • Minimum Initial Deposit: ₱15,000.00
Features
  • Passbook
  • Interest Rate: 0.5%
  • Maintaining Balance: ₱15,000.00
  • Minimum Balance to Earn Interest: ₱15,000.00
Special Savings Deposit

Special Savings Deposit

The ideal special savings deposit account for your future.

Requirements:
  • 1 valid ID
  • Minimum Initial Deposit: ₱10,000.00
Features:
  • Passbook
  • Minimum Maintaining Balance: ₱10,000.00
Special Savings Deposit Requirements

Fees and Charges

At MLRYT, we value transparency and trust. Our Fees and Charges section provides a clear breakdown of all applicable costs for your accounts and services, so you always know what to expect. We’re committed to keeping our rates fair, simple, and easy to understand—because your confidence matters to us.

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