The PITAKArd is FCB's debit card, which allows our depositors to both access funds at exclusive PITAKArd ATMs and EFT/POS terminals as well as pay for purchases at Accredited Merchant Partners.

Given its safety, ease, and convenience, our PITAKArd is seeing a strong escalation in number of cardholders all over the Philippines. The additional number of accredited merchant partners is increasing as well.

Special Accounts
FCB offers this PITAKArd facility for payroll servicing of employees, pensioners, OFW remittances, and other special arrangements involving batch crediting to savings accounts.
  • No minimum amount and maintaining balance required to open
  • Earns interest if your ADB is P501 and above
  • Earns competitive interest rate
  • Deposits are insured by PDIC up to P500,000 per depositor.
  • Withdraw cash from any FCB ATMs, or pay bills to an FCB accredited company at any FCB branch
  • Pay for purchases of goods and services at EFT/POS terminals at accredited merchants
  • Transfer funds to another enrolled PITAKArd account
Deposits are insured by PDIC up to P500,000 per depositor.
Regular Accounts
You can keep your money safe and enjoy the convenience of using your PITAKArd to withdraw cash at FCB ATMs, pay your bills to FCB accredited merchants at the branch, or pay for goods and services at FCB accredited merchants and companies.
  • Only P100 minimum amount to open and maintain an account
  • Earns interest if your average daily balance is P501 and above
  • Earns competitive interest rate.
  • Covered by PDIC up to P500,000.00/depositor
  • Pay for purchase of goods and services at EFT/POS terminals at FCB accredited merchants, or pay your bills to an FCB accredited company, using FCB-provided EFT/POS terminals at the branch or at the company
  • Transfer funds to an enrolled PITAKArd account
  • Withdraw cash from any FCB ATM
Deposits are insured by PDIC up to P500,000 per depositor.
Multi-functionalities of the FCB PITAKArd
The FCB PITAKArd, which can be used 24 hours a day, 7 days a week, is more secure and more convenient than cash. PITAKArd holders can use their cards the following ways:
Using FCB Automated Teller Machines
  • Change your PIN
  • Inquire your balance
  • Withdraw cash
  • Pay your bills to an FCB accredited company
  • Pay tuition fees to an FCB accredited school/university
  • Transfer funds to another enrolled PITAKArd account
Using EFT / POS terminal at FCB Branches/FCB Accredited Merchants
  • Inquire your balance
  • Withdraw cash at FCB Branches
  • Transfer funds to another enrolled PITAKArd account
  • Purchase goods and services from FCB accredited merchants
  • Pay your bills to an FCB accredited company using FCB EFT/POS terminal located either at the company or any FCB branch
  • Pay your tuition fees to an FCB accredited school/university using the FCB EFT/POS terminal located on campus or at any FCB branch
  • Make cash or check deposit to your PITAKArd account at any FCB branch teller with no fund transfer charge/fee
Qualified Depositors
Only Natural Persons are allowed to open a PITAKArd account as this requires the entry of a Personal Identification Number (PIN) of the accountholder. Natural person. All accounts newly opened must be in single/individual account. Joint accounts are not yet allowed for supplementary cards are not yet available.
Requirements for opening a PITAKArd Account
  1. Fill up the following:
    1. Account Opening Form
    2. Specimen signature cards ?two (2) copies
  2. Requirements for the Account Signatory
    1. Clear copy of valid photo-bearing ID (to be checked with the original ID)
    2. Two (2) copies of clear, recent, and passport size picture
    3. Proof of residence - shall be required only if the residence address on the ID is not the same with the address on the Account Opening Form
Lists of Valid IDs
  • Passport
  • Driver's License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter's ID
  • Barangay Certification
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) Card
  • Senior Citizen Card
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman?s Book
  • Alien Certification of Registration/Immigrant Certificate of Registration
  • Government Office and GOCC ID, e.g. Armed forces of the Philippines (AFP ID)
  • Home Development Mutual Fund (HDMF ID)
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC For students, VALID photo-bearing school ID duly signed by the principal or head of the school
Frequently Asked Questions
*Click Question for answer.
What is an FCB PITAKArd? What can it be used for?
It is a debit card issued to an FCB ATM/POS depositor. The PITAKArd can be used to access funds at FCB Automated Teller Machines (ATMs) and Point-of-Sale (POS) terminals, or to pay for purchases at FCB accredited merchants.
What name will be printed on the card?
The name reflected on the card must be same with the name on the account opened.
Does the FCB PITAKArd expire?
There is no expiration date on an FCB PITAKArd. Zero balance is allowed on all ATM/POS accounts, for a limited period of time. When an account has zero balance for ninety (90) consecutive days, the account will be automatically closed.
Who can apply for the FCB PITAKArd?
Anyone can apply for a PITAKArd, regardless of his or her nationality, country of residence, credit history or status. However, PITAKArd accounts must be for single/individual accounts as we currently do not allow joint or corporate accounts.
How secure is my money with the PITAKArd?
FCB PITAKArd is more secure than a credit card. Nobody can access your cash without your Personal Identification Number (PIN). The PIN code is expected to be known exclusively by the cardholder.
How is it better than cash?
A debit card is more secure than cash. If cash is lost or stolen, it is likely gone forever. If your debit card is lost or stolen, it can be replaced. No one can access your money unless they also have your PIN.
Is a Debit Card (PITAKArd) better than using checks?
Cash stored on the PITAKArd is available immediately. If you send a check as a gift or to transfer money to relatives "back home", the recipient's bank usually puts the money on hold for at least a few days for clearing.
Where can I open a PITAKArd account?
You can open your PITAKArd account at any FCB branch.
What are the requirements in opening a PITAKArd account?
The required documents are similar to those required in opening regular deposit accounts, plus one recent 1 x 1 picture. This is necessary for placing the account holder's photo on the PITAKArd.
Where can I use my card?
You can use your PITAKArd anywhere you can see the FCB logo, which includes all FCB ATMs and accredited merchant debit terminals.
Can I use my PITAKArd like a credit card to buy things before I add money to the card?
No. The PITAKArd is a debit card. This means that you must first deposit money to your ATM/POS account. You cannot use the card to spend or withdraw more than the amount of money that is stored on it.
Do I need a good credit record to get a card?
No. Since you cannot spend or withdraw more money than you have added to the card, the bank does not assume any risk and, therefore, is not concerned with your credit rating.
How do I add money to my card?
You can make a deposit into your PITAKArd account at any FCB branch. Depositing at merchants is not allowed.
Can I transfer money from my PITAKArd to my regular FCB bank account?
Yes. This can be done at FCB branches.
Is my money protected if my card is lost or stolen?
Yes. Nobody can access your money without your PIN. If your card is lost or stolen, it can be replaced once we verify that you are the authorized cardholder.
Can I still access my money if I forget my Personal Identification Number (PIN)?
Yes, but not right away. To ensure that your money is safe, you need both your card and your PIN to access your money. However, if you forget your PIN, you will be asked to visit the nearest FCB branch. We will ask some pre-arranged security questions that only you should be able to answer. Once you prove that you are the authorized cardholder, you will be able to assign a new PIN to your card.
Will I still be able to return and get a refund for things I buy with my debit card?
Using the FCB card to pay for your purchase does not alter the store's refund policy. If the store normally allows refunds on returned merchandise, then they will provide a refund on something purchased with your card. If you return merchandise, it is up to the merchant whether to issue a cash refund or to transfer the money back onto your card.
Is it less expensive to transfer money from card to card than using a traditional wire transfer service?
Yes. We offer fund transfers between enrolled PITAKArd accounts for free. You can even execute fund transfers at ATMs; therefore this transaction can be completed at your own convenience, 24/7.
Are there any transaction fees?
Fund transfers between enrolled PITAKArd accounts are free. Fund transfers to other bank accounts incur a minimal fee.
Can I find out how much money is in my PITAKArd account? Or do I have to keep track of that myself?
You can see your card's balance, along with any transactions applied at ATMs. A balance inquiry menu is available on both ATMs and POS terminals.
How much does it cost to get a PITAKArd card?
Normally, there is a minimal fee associated with the card. However, depending on the purpose of the card, the initial issuance of the PITAKArd is free of charge. One hundred pesos will be automatically debited from your account if you request for a replacement card.
Are there any limits as to how much money I can store on my card?
There are no limits as to how much money you can keep in your debit card account. However, there are limits on how much you can withdraw without incurring any fees.
Are there any limits to how much I can purchase with my card or withdraw from my card account in a single transaction?
Yes. There are limits as to how much you may purchase/withdraw at ATMs or POS terminals for a one-time transaction. Such limit is set as an additional safety measure on your bank account.
I used a debit card to transfer money to relatives back home. When I want to send more money to them, can I add money to the same card or do I have to get a new card?
Yes. You can simply add more money to the same card. They will then have instant access to the cash.
Is there someone who I can talk to if I am having a problem?
Yes. You can visit any of our FCB branches or may directly call our PITAKArd Help Desk with the following hotlines: (038) 412-5456 or (038)412-5448 ? dial zero (0) for operator assistance, then press 1
  • 09392574077 ? SMART mobile number
  • 09179983132 ? GLOBE mobile number
  • 09173114679 ? GLOBE SMS
Why should I trust this debit card?
The security of your money is of utmost importance at FCB. We take great care to protect it.
Deposits are insured by PDIC up to P500,000 per depositor.