FREQUENTLY ASKED QUESTIONS
A. Introduction
1. What is LANDBANK iAccess?
LANDBANK iAccess is an alternative banking channel designed for individual customers like you, which provides a convenient, reliable, and secure delivery of banking services via the internet or online platform for eligible accounts. The iAccess credentials can also be used to access accounts thru the LANDBANK Mobile Banking Application (MBA). This is available 24 hours a day, 7 days a week at https://www.lbpiaccess.com.
With your iAccess User ID and Password, you may perform the following transactions:
Non-Financial
a. View your account summary (balance inquiry) and transaction details
b. Inquire the status of the check/s you issued
c. Inquire the total amount & total number of check/s you deposited but subsequently returned
d. Update/Reset your iAccess password
e. Report and tag as “hot card” your lost/stolen ATM card
f. Inquire your loanable amount, monthly amortization, and/or required gross monthly family
income
g. Inquire your basic information of retail loan availed from the Bank (e.g., drawdown date,
maturity date, interest rates, outstanding balance, etc.)
h. Access to the transaction information (for Current Account (CA) holders)
i. View your detailed information in iAccess, and update your security questions and mobile
number
j. Manage your biller
k. View your transaction history
l. Unlock your iAccess ID
Financial
a. Pay your bills immediately or in the future
b. Transfer your funds to your other account/s or to your nominated third party account/s
immediately or in the future
c. Reorder checkbook/s
2. Is LANDBANK iAccess available outside the Philippines?
Yes, you may access your accounts and perform the foregoing transactions anywhere, provided you are enrolled in the LANDBANK iAccess.
B. Enrollment
1. Who are qualified to enroll in LANDBANK iAccess?
Individual depositors (single and joint accounts) are qualified to enroll in LANDBANK iAccess.
2. What types of deposit accounts can I enroll?
Any of the following individual peso deposit account/s can be enrolled in LANDBANK iAccess:
a. Savings Account with ATM access
b. Regular Current Account
c. Regular Interest Bearing Current Account
d. Current Account with ATM access
e. Interest Bearing Current Account with ATM access
*Passbook accounts are not eligible for enrollment.
3. How can deposit accounts be enrolled?
a. Registration of individual depositor to iAccess facility may be done thru any of the following:
1. For new deposit account
i. Thru the online LANDBANK‟s Digital Onboarding System (DOBS) or thru the
Branch digital corner, subject to the following:
The client shall complete the account opening procedures in any LANDBANK Branch; and
The client shall accomplish the LANDBANK iAccess Enrollment and Maintenance Agreement (LI-EMA)* if he/she intends to enroll third-party account/s for intrabank fund transfer services
ii. Thru the accomplishment of LI-EMA (for clients who opted for the manual account opening which shall also include New Accounts Clerk (NAC)-assisted account opening thru DOBS). Manual inputting/registration of client details shall be done thru the iAccess back-end application by the Branch of Account.
2. For existing accounts, the depositors may opt to register in any of the following:
i. Online registration thru the iAccess facility accessible thru its URL
(https//www.lbpiaccess.com) or LBP website; or
ii. Personal appearance at any LANDBANK Branch and submission of the duly accomplished LI-EMA and presentation of valid photo bearing ID.
3. Additional Registration Conditions
i. Registration to iAccess facility of Joint “and” Account, and Regular Current Account shall be allowed thru personal appearance at the Branch.
ii. The Personal Identification Number (PIN) of the ATM Card shall be required for online enrollment.
iii. Accounts in “frozen” or “dormant” status shall not be enrolled in the iAccess facility either as source or destination account.
iv. Garnished account shall be limited to non-financial transactions.
*You can download and print the LI-EMA form from https://www.lbpiaccess.com
4. What are the documentary requirements for the branch enrollment?
a. One valid ID
b. Duly accomplished and signed LI-EMA form
5. Can multiple accounts be enrolled? How?
Yes, multiple accounts can be enrolled in LANDBANK iAccess. You can add up to 15 eligible deposit accounts in your iAccess account. Submit a duly-accomplished LI-EMA Form (indicating all the account numbers for enrollment) to your Servicing Branch*.
*You have to choose your Servicing Branch. It should be one of your depository branches
and the one you prefer to be your LANDBANK iAccess account administrator. It is
recommended that you choose the branch nearest you.
6. I already have an existing account enrolled in LANDBANK iAccess. How can I add my
other account/s?
To add your other LANDBANK account/s to your existing LANDBANK iAccess ID, submit a duly-accomplished LI-EMA form to your Servicing Branch.
C. Features and Utilities of LANDBANK iAccess
1. What features are available in LANDBANK iAccess?
NON-FINANCIAL SERVICES
Account Management
View current and previous transactions made for the last 210 days on your LANDBANK account –from balances to transactions done via the ATM or over-the-counter. For easier reference, you may also tag or provide description to your enrolled accounts according to preference or purpose.
Account Protection
Block all your ATM transactions when you report ATM cards as lost or stolen. For added security of your online access, a One-Time PIN (OTP) will be required upon log-in and upon confirmation of bills payment and selected fund transfer transactions. You can also change your password at any time necessary. LANDBANK iAccess is secured using Entrust‟s Security Certificate which enables high-level encryption to ensure privacy and authentication of the site. You will also be automatically logged out of your account after a period of inactivity. Three unsuccessful password retries will lead to account
lockout.
Check Management
Know the status or details for each transaction made on issued or returned checks of your enrolled Current Account.
Housing Loan Calculator
Get information on housing loan affordability based on term, desired monthly amortization, or
monthly income.
Biller Management
Add or update account reference numbers of your frequently paid billers for more convenience when paying your bills online.
Electronic Salary Loan (ESL)
Apply for a salary loan online via Electronic Salary Loan System.
Retail Loan Inquiry
Access to the basic information of retail loan availed from the Bank (e.g., drawdown date, maturity date, interest rates, outstanding balance, etc.).
FINANCIAL SERVICES
Checkbook Requisition
You can order check checkbooks for your enrolled Current Account, the cost of which will be debited to your account once approved. To know the delivery status of your order, check with your depository branch.
Fund Transfer
Transfer your funds online from your own enrolled account to any enrolled or non-enrolled
LANDBANK accounts, including nominated third party* LANDBANK accounts.
*An account other than your own account (e.g. child, parent, or spouse)
Inter-Bank Fund Transfer
Send funds electronically to accounts in other participating banks and institutions, via InstaPay or PESONet. Real-time fund transfer through InstaPay is up to PHP 50,000.00 per transaction and/or a total of PHP 50,000.00 per day across LANDBANK iAccess and Mobile
Banking Application (MBA).
Meanwhile, fund transfer made through PESONet is not real-time and the transaction amount limit is PHP 500,000.00 per transaction.
Bills Payment
You can pay your bills online, immediately or in the future, to a wide array of participating
merchants, including government services, telecommunications, utilities, credit cards, cable/internet service providers, loan payments, insurance/pre-need/lending companies, schools/universities, charitable institutions, and many others.
2. What utilities are available in LANDBANK iAccess?
a. Account Maintenance
Personal Information – Updating of Mobile Number
Account Tag Management
Manage Billers
b. Security Information
Change Password
Change Security Questions
Transaction History
Access Log History
c. Account Summary
View of registered accounts in iAccess.
d. Transaction Details
Statement
Today‟s Transaction
Download eSOA
Print
e. Loans
Loan Inquiry
Salary Loan
Housing Loan Calculator
f. Card Maintenance
Report Lost/Stolen ATM
g. More Services
Check Status Inquiry
Returned Check Inquiry
h. Download Forms and Requirements
3. Account Summary
a. What can be viewed in Account Summary?
After selecting the desired account number to be viewed, the following information will appear:
Account Number (Account Type)
Account Tag
Branch Name
Available Balance
Current Balance
Status
b. Will all types of bank transactions be reflected in the Account Summary on a real time
basis?
Yes, all types of bank transactions are reflected in the Account Summary on a real time basis.
4. Transaction Details
a. What can be viewed in Transaction Details?
Account Statement and Today‟s Transaction can be viewed in the Transaction Details. Bank
transactions up to the last 210 days can be viewed in the Statement with the following details:
Date and Time of Transaction
Description
Debit
Credit
Balance
Branch
Check No.
Other Details
Today‟s Transaction shows over-the-counter transactions during the day.
b. Will all types of bank transactions be reflected in the Transaction Details on a real
time basis?
Yes, all types of bank transactions are reflected real time in the Transaction Details found in the Today‟s Transaction tab.
c. As reference, can Transaction Details be printed?
Yes, click the „Print‟ button to have a hard copy of your account‟s Transaction Details.
5. Pay Bills
a. How can I enroll in the Pay Bills Module?
The pay bills module is automatically available upon enrollment except for those accounts with
non-financial restrictions.
b. How can I enroll/add billers that I wish to pay online?
Once enrolled in the Pay Bills facility, you may enroll/add billers thru any of the following:
Via Branch
i. Indicate in the iAccess LI-EMA form the Biller Name and Subscriber/Reference
Number Via iAccess
i. Log-in in the iAccess website.
ii. Go to Account Maintenance then select Manage Biller.
iii. Click the Register Biller tab.
iv. Enter the following details:
Biller
Subscriber Account No.
Other Details
Remarks
v. Click Submit.
vi. Review the details then click Confirm.
c. How can I pay bills online?
i. Log-in in the iAccess website.
ii. Go to Pay Bills.
iii. Select the Biller.
iv. Select the account to debit.
v. Enter the amount.
vi. Select Payment Type (i.e. Immediate, Scheduled)
vii. Review the transaction then click Confirm.
d. What type of deposit accounts can be enrolled for bills payment?
Your LANDBANK iAccess-enrolled Peso deposit account/s (individual or joint* “or”) can be
enrolled for bills payment transactions.
*Joint “and” accounts are limited to viewing or non-monetary transactions only.
e. What merchants can be paid thru iAccess?
f. How many reference numbers can be enrolled for bills payment?
You may enroll up to 20 billers, with a maximum of 5 reference numbers per biller.
g. When will payments be posted to the merchant’s/agency’s account?
Bills payment transacted within the service period shall be considered as today‟s payment.
However, it will be credited to the merchant‟s/agency‟s account on the next banking day.
Payments made after cut-off time, during weekends or holidays shall be considered as payments
made the following banking day and will be credited the second banking day.
h. What is the proof of a successful transaction?
A system-generated transaction acknowledgement number will be shown on screen for every
successful bills payment. An email and an SMS notification will also be sent to the client‟s
registered email address and mobile number for every successful transaction.
i. What is the maximum no. and the amount of bills payment transactions can I make?
6. Transfer Funds
a. How can I avail of the transfer funds feature?
Submit to your Servicing Branch a duly-accomplished LI-EMA Form indicating your source and
destination accounts for the transfer funds facility.
b. What types of deposit accounts can be enrolled for transfer funds?
Your LANDBANK iAccess-enrolled Peso deposit account/s (individual or joint* “or”) can be
enrolled for transfer funds transactions.
*Joint “and” accounts are limited to viewing or non-monetary transactions only.
Maximum Number of Bills Payment Transactions (per source account
per day)
No limit
Maximum Transaction Amount of Bills Payment Transactions (per
source account per day)
No limit
c. Can I make an online fund transfer transaction to other banks (non-LANDBANK
accounts)?
Yes, through the Fund Transfer to Other Banks via InstaPay and PESONet.
d. How soon can the fund transfer feature be accessed?
You can access this feature as soon as your depository branch approves your enrollment to the
transfer funds module.
e. Is there a limit to the number of accounts that can be enrolled for fund transfer?
A maximum of 15 own deposit accounts and 5 third-party destination accounts can be enrolled.
f. What are the maximum no. and the amount of fund transfers can I make?
g. How can I include additional destination accounts for transfer funds?
Submit to your Servicing Branch a LI-EMA form indicating the additional account numbers to be
enrolled in the transfer funds facility.
h. When will the fund transfer transaction be posted?
i. Transfer funds made thru the following are posted on a real-time basis :
Transfer Type Count Limit Amount Limit Fees
Transfer to Enrolled Own
Account No limit No limit None
Transfer to Enrolled Third-
Party Account No limit No limit None
Transfer to Anyone
(Unenrolled LANDBANK
Account)
20
PHP 50,000.00 per transaction (single
or maximum of 20 transactions,
whichever comes first)
None
Transfer to Other Banks
InstaPay No limit
PHP 50,000.00 per transaction;
PHP 100,000.00 total aggregate
amount daily between iAccess andMBA
InstaPay transactions
PHP 15.00
PESONet 3
PHP 500,000.00 per transaction (single
or 3 transactions, whichever comes
first);
Maximum of PHP 1,500,000.00 per day
per source account
PHP 15.00
Transfer to Own Account
Transfer to a Registered 3rd Party Account
Transfer to Anyone (Non-registered LANDBANK Account)
Transfer to Other Banks via InstaPay
ii. Transfer to Other Banks via PESONet is not real-time. Crediting by other
banks should be made within the same day if the fund transfer was made before
cut-off time of 10:00 AM. Otherwise, the fund transfer request will be processed
the next banking day.
j. What is the proof of a successful fund transfer transaction?
A system generated transaction acknowledgement number will be shown on screen for every successful fund transfer.
7. Checkbook Requisition
a. Can the Checkbook Requisition feature be accessed upon enrollment?
You can access this feature as soon as your enrollment is approved by your depository branch.
Checkless ATM accounts are not eligible for enrollment in the Checkbook Requisition facility.
b. How many checkbooks can be requested online?
A maximum of three (3) checkbooks can be requested per day. Each request is subject to
validation and approval of your depository branch.
c. How will I know if my request was approved?
You will be notified via email if your checkbook request has been approved.
d. When will my requested checkbook/s be available?
Once your request is approved by your depository branch, your account will be debited for the cost of the requested checkbook/s. After three weeks from approval of your request and before pick-up, you may contact your depository branch to ensure availability of the checkbook/s.
e. How much is the cost per checkbook?
The cost of checkbook will be displayed in the iAccess Checkbook Re-order page.
8. Report of Lost/Stolen Card
a. If I report my lost ATM card online, when will the ATM card be blocked?
Your ATM card and its corresponding account will be automatically blocked once you report a lost/stolen card. A system generated acknowledgement number will be shown on screen as reference of your transaction.
Once blocked, your card will be captured when used in LANDBANK ATM. Likewise, transactions will also be blocked when used in Expressnet/Megalink/BancNet ATMs.
b. Once my ATM card* is blocked, can I transact using other channels?
Yes, you can continue transacting via LANDBANK iAccess, LANDBANK Phone Access, and over- the-counter. Only transactions via ATM shall be blocked.
*This does not apply to LANDBANK VISA Debit Card.
c. How do I cancel this transaction in case I find my ATM card?
Submit to your depository branch a duly-accomplished ATM Card Request/Update Form (ACRUF).
This form can also be downloaded and printed from the LANDBANK iAccess website
(https://www.lbpiaccess.com). The form can be found at the left-hand side menu (Download
Forms & Requirement) after you log-in.
9. Change of Password
a. When do I change my password?
For security purposes, the LANDBANK iAccess will require you to change your password every 999 days. A notification will appear on your screen five (5) days before expiration of your password to remind you to change your password.
If you feel that your password has been compromised, we encourage you to change your
password immediately using the Change Password facility under the Security Information module.
10. Logout
a. What is Logout for?
Logout lets you end your online session. It is important that you avoid improper logout (i.e.
clicking the “X” button on the upper right corner of your screen or the back arrow of your
browser). Improper logout ends your session but you will have to wait for 20 minutes before you can log-in again.
D. Security
1. Is my LANDBANK iAccess account secure?
Yes, your iAccess account is secure with the following security features:
a. It requires your nominated LANDBANK iAccess ID, password, and a One-Time PIN (OTP).
b. It is protected with 128-bit SSL encryption technology to ensure privacy and confidentiality of account information and transactions.
c. It is authenticated and certified by the VeriSign digital certificate authority. Verisign is the leading Secure Sockets Layer (SSL) certificate authority enabling secure e-commerce, communications, and interactions for websites, intranets, and extranets.
d. Its Uniform Resource Locator (URL) has an additional “s” string, which signifies that the website
is secure(https://www.lbpiaccess.com).
e. Its login page screen has a lock icon which also indicates that the website is secure.
f. It has a clickable Verisign icon, which links you to the Verisign digital certificate.
g. It is provided with an automatic logout feature after 15 minutes of inactivity.
2. How will we know that we entered the right LANDBANK iAccess website?
From the login page, click the Verisign icon to verify the website‟s authenticity. You should be redirected to theVeriSign digital certificate.
3. How do I ensure continued protection of my LANDBANK iAccess account and password?
You play a vital role in protecting your account. The following are our recommendations on how you can protect your LANDBANK iAccess account and password:
a. Do not write or reveal your password to anyone.
b. Make your password hard to guess but easily remembered by you. Use a combination of number, upper and lower case letters. Avoid obvious terms that may be associated with you like name, birthday, and telephone number. Avoid using repetitive or consecutive digits.
c. Check account balances and statements regularly to identify unusual transactions.
d. Change your password regularly or whenever you deem it necessary.
e. Do not leave your Internet banking session unattended at any time.
f. Always exit using the logout button to ensure you end your Internet banking session securely before going to other sites.
g. Check email messages sent to you by LANDBANK iAccess regarding your Internet banking transactions.
h. Contact LANDBANK immediately if you suspect something unusual with your LANDBANK iAccess account.
E. Concerns and Problems Encountered
1. What should I do if I cannot log in?
Make sure you key-in the correct LANDBANK iAccess ID and password. Please note that your LANDBANK password is case sensitive.
If you input the wrong password three (3) consecutive times, you will no longer be able to log-in.If you still remember your password, you can request to have your iAccess account unlocked by clicking the Unlock ID link from the iAccess log-in page, or request unlocking of your account via Customer Care or via branch.
2. I have totally forgotten my password. How can I recover my password?
You may reset your password by clicking the Forgot Password link. You will be asked to enter your iAccess ID, a valid One-Time PIN (OTP), and answer to the security question. If all is correct, you may nominate your new password. You may also request password resetting via branch.
3. Why is there no available balance reflected in the “Account Summary”?
The system host is down.
4. What should I do when I encounter problems using LANDBANK iAccess?
You may contact the Branch or call our Customer Care Hotline at (02) 8405-7000 or 1-800-10-405-7000 (free from PLDT landline a flat rate of P 8.00/call from mobile phone). You may also email us at customercare@mail.landbank.com.
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