UCPB Customer Relations Center (+632) 811-9111   |   crc@ucpb.com   |  

ATM Protect

ATM Protect

Take the extra step to protect your UCPB ATM Card with ATM Protect!

ATM Protect gives you round-the-clock coverage anywhere and replaces stolen cash due to ATM-related theft.

Enroll now for only ₱15 a month!

For your other insurance needs, visit our Bancassurance page.

Enroll your UCPB ATM Card to protect your savings from:

Robbery during ATM withdrawal

Actual loss up to P50,000 or the daily withdrawal limit, whichever is less.
Robbery should have occurred within 10 minutes from transaction.
With a maximum of three incidents per year:

  • 1st incident: 100%
  • 2nd incident: 50%
  • 3rd incident: 25%
Robbery after over-the-counter withdrawal in branch

Actual loss up to P50,000 whichever is less.
Robbery should have occurred within 10 minutes from transaction.
Maximum of three robbery incidents in total per policy year:

  • 1st incident: 100%
  • 2nd incident: 50%
  • 3rd incident: 25%
Robbery from a stolen mobile phone banking device

Actual loss up to P50,000, whichever is less.
Robbery should have occurred within 10 minutes from transaction.
Maximum of three robbery incidents in total per policy year:

  • 1st incident: 100%
  • 2nd incident: 50%
  • 3rd incident: 25%
Loss from ATM skimming or tampering

Actual loss up to P50,000 or the daily withdrawal limit, whichever is less.
With a maximum of one incident per policy year.

Other benefits:

Accidental death benefit

P112,500 coverage in the event of the cardholder’s death directly attributed to the covered incident, and is within 12 months of the covered incident.

Hospital confinement

P2,250 for each day of the cardholder’s confinement in an accredited health facility, for a minimum of 3 days and a maximum of 30 days.

Document replacement

Actual cost up to P11,250 to replace stolen ID cards (government-issued IDs, employee IDs) and to obtain a new ATM card.

Identity theft restoration

Actual cost up to P112,500 in retaining a specialist to assist the cardholder to correct the false or fraudulent use of the cardholder’s identity for the reported lost or stolen card.

Trauma and assistance benefit

Emergency phone assistance, medical and legal referrals, and coordination of emergency fund transfer.

Quick processing of claims

Assistance in preparing and filing necessary documents, completing forms and contacting authorities.

24/7 Worldwide protection

Covers ATM robbery committed in the Philippines and overseas where the ATM card is accepted.

Terms and Conditions apply. Please refer to the Terms and Conditions below for complete information.

ATM Protect FAQs
ENROLLMENT:

  1. What is the coverage period for ATM Protect?
    The coverage period is for the whole month, which means that your payment on September 1 covers you for the whole month of September.
  2. I enrolled in the middle of the month. When am I considered covered?
    You are covered as soon as you are enrolled in the system. This means that if you enroll on August 15, you are already covered even if your 1st billing is on September 1. Please ensure that your account is funded on the 1st billing date else your coverage will be considered invalid.
    The proof and date of your enrolment is indicated in the ATM PROTECT ENROLLMENT CONFIRMATION SLIP that will be accomplished and provided to you by the UCPB branch.
  3. Is there a minimum/maximum age allowed to be enrolled to ATM Protect?
    ATM Protect covers the money lost from the ATM card therefore the minimum and maximum age follows the same guidelines and regulations pertaining to an ATM account opening. Minimum age to open an ATM account is 7 years old while there is no maximum age.
  4. Can a corporate card be enrolled to ATM Protect?
    Yes.
  5. We have a joint account. What should I enroll to ATM Protect?
    Coverage of ATM Protect is on a per card basis. This means that if your account is a joint account and you only enrolled card 1, if the incident happened to card 2, then this will not be covered.
  6. How can I stop my availment of the ATM Protect?
    Simply accomplish the ATM Protect dis-enrollment form and submit it to your maintaining branch.
  7. Can I enroll more than three (3) UCPB ATM cards to ATM Protect?
    Yes. Simply accomplish another enrolment form.
  8. Can I assign a different account number to be billed for my 2nd UCPB ATM Card?
    Yes. Simply accomplish another enrolment form.
  9. Can I enroll the UCPB ATM card of my family member or friend?
    No, you can only enroll your own UCPB ATM card.
  10. I replaced my card which is enrolled to ATM Protect. Do I have to re-enroll my new card to ATM Protect?
    For immediate handling during claims, please ensure to re-enroll your new ATM card (and disenroll the old card) to ATM Protect.

    If you were unable to do this, you will still be covered as long as this is a replacement card and the ATM Protect fees are successfully collected from your account. There will be an additional verification process/time during the processing of your claims.

COVERAGE:

  1. The ATM Protect monthly fee was not successfully collected because I had no/insufficient funds in my account on the first day of the month. How does this affect my coverage?
    You will not be covered for the month of unsuccessful collection, e.g. unsuccessful collection on September 1 means you are not covered for the whole month of September. If you are then able to fund your account the next month, e.g. October 1, and the collection is successful, you will automatically be covered for the month of October.
  2. Are my family members also covered if they are the ones who withdrew for me from my covered UCPB ATM Card?
    Yes, they are also covered if you authorized them to withdraw for you but only up to your immediate family member. Immediate family member means parents and sibling if the cardholder is single; spouse and children if the cardholder is married.
  3. What are the documents/cards/IDs covered in the document replacement benefit?
    Only government-issued cards/documents and lost ATM/debit/credit cards after ATM-related theft/robbery are covered. Other cards such as loyalty/points and transportation cards, etc. are not covered. See sample below:

    Covered:

    1. Identity documents – Passport, Birth certificate, etc.
    2. Identity cards – SSS/Philhealth/Gov’t IDs, Company ID, Driver’s license, etc.
    3. Credit cards – UCPB and/or other bank cards
    4. ATM cards – UCPB and/or other bank cards  

    Not covered:

    1. Loyalty/Points cards named to the client – SM Advantage, Mercury Suki, Coffeebean, Starbucks card, GetGo card —
    2. Transportation cards – Beep cards

    A receipt of the replacement fee is required to be submitted to claim this benefit.

  4. Is the delivery fee for the documents/IDs also included in the document replacement benefit?
    No, coverage will only be up to the replacement fee.
  5. Are fraudulent internet/eCommerce transactions covered?
    No, fraudulent internet/eCommerce transactions are not covered unless if it is established that the point of compromise was from the cardholder’s transaction in an ATM that was mechanically tampered with.
  6. I didn’t notice that my wallet and cash have been missing after I withdrew from my covered ATM card. Can I report this?
    You may report this for further evaluation of UCPB General Insurance Company, Inc. (UCPB GEN). However, please take note that ATM Protect coverage is due to robbery or the illegal obtaining of belongings using force or violence. Please note that this is different from theft wherein the belonging has been illegally obtained by physical means without using violence.
    Below are examples, for your reference:

    1. Covered: If the cardholder withdrew cash at a nearby ATM, and after the transaction, an assailant followed the cardholder and got the wallet of the cardholder including the newly withdrawn money.
    2. Not covered: If the cardholder wrote or indicated his/her PIN at the back of his/her insured card and an assailant took his/her wallet and withdrew the money.
    3. Not covered: If the cardholder reported that he/she lost his/her wallet with the newly withdrawn money but police report and incident report shows that after the cardholder made an ATM transaction, he/she still went to a party before going home, misplaced the wallet while partying and therefore, got stolen. This shall not be covered as a result of negligence.
  7. Up to how many incidents are covered?
    A cardholder is covered up to 3 incidents per robbery type per policy year, and 1 incident for loss from ATM skimming/tampering per policy year. Example, assuming all incidents below are legitimate and happened to 1 cardholder at the said sequence of events:

    Date of Incident Incident Amount Amount Covered
    June 1 Robbery via ATM 10,000 10,000 (100% because 1st incident)
    June 5 Robbery via OTC withdrawal 50,000 50,000 (100% because 1st incident)
    June 8 Robbery via ATM 20,000 10,000 (50% because 2nd incident)
    June 11 Robbery via stolen mobile 5,000 5,000 (100% because 1st incident)
    June 15 Loss due to skimming 20,000 20,000 (100% because 1st incident)
    June 17 Robbery via ATM 20,000 5,000 (25% because 3rd incident)
    June 19 Robbery via stolen mobile 5,000 2,500 (50% because 2nd incident)
    June 22 Loss due to skimming 20,000 0 (0% because 2nd incident and onward)
    June 17 Robbery via ATM 20,000 0 (0% because 4th incident and onward)
  8. I have an existing hospital insurance. Can I still claim the hospital confinement benefit of ATM Protect?
    Yes, this is a benefit on top of the client’s personal hospital insurance coverage. Reimbursement will be based on the number of days of confinement indicated in the hospital bill submitted.

REPORTING OF INCIDENTS/CLAIMS:

  1. How can I report the robbery or theft?
    Simply call, text or email any of the 24/7 hotline numbers:
    Hotline: (+632)236-7233
    Mobile number: (+63)917-5257233
    Email address: atmprotect@gbg.com
  2. What do I have to provide/submit when reporting a robbery or theft incident?
    You will be asked to provide the following details, as well as submit the required documents as applicable:
    Details required:

    1. Cardholder’s Name
    2. Cardholder’s Card number
    3. Type of Incident (Robbery during ATM withdrawal, Loss from ATM skimming/tampering, etc.)
    4. Amount Lost
    5. Time and place of robbery/assault

    Required documents:

    1. Duly accomplished ATM Protect claim form
    2. Latest transaction receipt (if available)
    3. Police report (for robbery incidents only)
    4. Notarized incident report (for loss due to ATM skimming or tampering incidents only)
    5. *Photocopy of any government – issued ID (SSS, BIR, Pag-ibig, passport, etc.)
    6. *Bank statement of account indicating the transaction to be claimed and maintaining bank/branch

    *or client may provide an authorization letter to UCPB to provide the photocopy ID and bank statement to UCPB General Insurance Company, Inc. (UCPB GEN) instead

    Other additional documents:

    1. Original receipt/s for re-issued IDs or ATM/credit cards (if document replacement benefit applies)
    2. Photocopy of the hospital bill showing the # of days stay (if hospital confinement benefit applies)
    3. Death certificate (if accidental death benefit applies)
    4. Photocopy of birth certificate or marriage certificate to identify the child/sibling/spouse (if the claimant is the immediate family member of the covered cardholder)

    For immediate processing, please submit the scanned copy of the above requirements to atmprotect@gbg.com and submit the hard copies to your UCPB maintaining branch. UCPB will then forward the hard copies to UCPB General Insurance Company, Inc. (UCPB GEN).

  3. Can I report the robbery or theft through the UCPB branch?
    Yes. UCPB can forward your report to the above hotline number on your behalf.
  4. How long do I have to submit the requirements for claims?
    Please submit the requirements no later than thirty (30) days from the date of the incident.
  5. What if I was not able to submit the requirements for claims within thirty (30) days?
    If you did not submit the requirements or respond regarding the claim after thirty (30) days from the time it was reported, then it will be considered as case closed. Should there are some documents which are yet to be available during the thirty (30) day filing limit, you must notify the ATM Protect claims team immediately for further consideration.
  6. Who evaluates the claims reported?
    All claims and entitlement to benefits are processed by and subject to the approval of UCPB General Insurance Company, Inc. (UCPB GEN) with Global Benefits Group Processing Philippines.
  7. How will I know if my claim has been approved or denied?
    UCPB General Insurance Company, Inc. (UCPB GEN) shall be the one to contact and coordinate with you for the status of your claim. You may also contact the below to ask for the status of your claim.
    Hotline:  (+632)236-7233
    Mobile number: (+63)917-5257233
    Email address: atmprotect@gbg.coma>
  8. How long will it take to process my claims?
    The standard turn-around time for your claims to be processed is 7 working days after submission of all requirements/documents.
  9. How are the benefits paid out?
    All benefits are paid out via check.  UCPB General Insurance Company, Inc. (UCPB GEN) shall contact and coordinate with you for the claiming of your payment.
ATM Protect Terms and Conditions
ATM Protect provides protection to ATM cardholders of United Coconut Planters Bank (UCPB) [the “cardholder/s”] from direct theft and fraudulent transactions made against the cardholder’s ATM-based account/s.

  1. Coverage
    1. Only “active cards” may be covered by ATM Protect. Dormant and escheated accounts are excluded from coverage.
    2. Coverage applies to transactions made by the cardholder both locally and internationally where the enrolled UCPB card is accepted. It is not limited to any specific ATM or ATM network.
    3. Direct theft or robbery covered includes criminal assault on the cardholder, forced withdrawal, kidnapping with the intent of forcing the cardholder to conduct a transaction. Fraudulent transactions covered includes “card trapping”, cloning, skimming, and other mechanical non-violent schemes involving the ATM.

    For cash stolen due to direct theft or robbery from the enrolled ATM card during an ATM transaction, an over-the-counter transaction or from a stolen mobile banking device, the incident should have occurred at the ATM or over-the-counter or within 10 minutes after the transaction by the cardholder which results in the loss of cash, personal and immediate injury, fraud or identity theft.

  2. Benefits and Limits
    1. In the event of a covered loss due to direct theft or robbery, the maximum benefit is Php 50,000 or the daily withdrawable limit for the card, if applicable, whichever is less. The cardholder may claim up to three (3) incidents per policy year:
      100% 1st incident | 50% 2nd incident | 25% 3rd incident
    2. In the event of a covered loss resulting from mechanical tampering of an ATM, the maximum benefit is Php 50,000 or the actual amount lost, whichever is less. The cardholder may claim up to one (1) incident per policy year only.
    3. In the event of unauthorized fund transfers from the insured’s mobile remittance device deemed to be lost or stolen, the actual loss or the maximum benefit of Php 50,000, whichever is less, shall be coverable. The cardholder may claim up to three (3) incidents per policy year:
      100% 1st incident | 50% 2nd incident | 25% 3rd incident
    4. In the event that the insured cardholder’s death is directly attributed to the covered incident and is within 12 months of the covered incident, the benefit is Php 112,500 payable to the cardholder’s beneficiaries.
    5. In the event of hospitalization of the insured cardholder for causes directly attributed to the covered incident, a benefit of Php 2,250 per day, maximum of 30 days, will be paid for each day of hospitalization in a primary care or emergency care facility. A minimum of three (3) days confinement is required to qualify for this benefit. The benefit is retroactive to day one (1) of admission. The cardholder shall be reimbursed, subject to submission of receipts and other required documents.
    6. In the event the covered incident results in the loss of identity cards or other vital personal documents, the cardholder will be reimbursed for the cost of obtaining new documents. Reimbursement shall be based on the submission of receipts for the cost of replacing identity documents or cards such as, but not limited to, IDs, passports, similar items and for the cost of expedited ATM card replacement up to a maximum of Php 11,250 in total.
    7. In the event of identity theft, the cardholder will be reimbursed for the actual cost up to Php 112,500 in retaining a specialist to assist the cardholder to correct the false or fraudulent use of the cardholder’s identity. The involved card must be reported as lost or stolen. Access to a legal, paralegal or service organization for assistance for the completion and filing of required documents related to the fraudulent use of the cardholder’s identity will be provided to the cardholder.
      viii. Direct access to an assistance service will be provided to the cardholder with emergency information regarding local medical resources and legal service.
  3. Premium Payments
    ATM Protect premiums shall be paid monthly via Automatic Debit Arrangement (ADA) on the account number specified in this form [the “enrolled account”]. The cardholder shall ensure that the enrolled account is sufficiently funded on the schedule of the automatic debiting indicated to ensure continued coverage for the specified ATM card. Should the automatic debiting of premium amount be unsuccessful due to insufficient funding, coverage under ATM Protect shall immediately be discontinued for the affected period.
     
    Any incidental charges to the account resulting from the ATM Protect premium deduction will be the responsibility of the cardholder and his/her authorized user.
  4. Automatic Debit Arrangement
    Automatic Debit Arrangement (ADA) for ATM Protect is an automated payment facility wherein the enrolled cardholder is allowed to settle their premium payments by authorizing UCPB to charge the amount thereof against their UCPB current/savings account or card specified by the client herein. For this purpose, the cardholder shall ensure that the enrolled account is sufficiently funded the whole day the premium is scheduled to be debited. If the account balance is insufficient to settle premium payments for 3 consecutive months, the ATM Protect service and ADA facility may be automatically terminated by UCPB without prior notice to the cardholder.
     
    For joint “OR” accounts, the cardholder hereby declares that he/she is doing so on the basis of his/her continuing declaration and representation, under penalties of perjury, that all co-depositors are still living as of the date he/she effect the automatic debiting of the account and that UCPB may, at its direction rely on such continuing declaration and representation and he/she agrees to keep UCPB free from liability for its reliance on such continuing declaration and representation.
  5. Cancellation and Termination of Service
    Any party may cancel or terminate the ADA privileges of this enrollment subject to written notice without prejudice to the fees and charges payable to UCPB. Coverage under ATM Protect shall cease to exist once the cancellation or termination has been communicated to UCPB through a termination letter submitted to and received by the cardholder’s maintaining branch.
  6. Processing of Claims
    All losses must be reported immediately to the contact details below for proper handling:

    Hotline (+632) 236-7233
    Mobile (+63) 917-5257233
    Email atmprotect@gbg.com

    All claims and entitlement to benefits provided herein will be processed by and subject to the approval of UCPB General Insurance Company, Inc. (UCPB GEN) with Global Benefits Group Processing Philippines Inc. (GBG).

  7. Other Provisions
    The cardholder shall indemnify and hold UCPB free from liability from any claim damages or expenses of whatever nature in case UCPB fails or refuses to remit the premiums in the event of a force majeure, or from any consequences that may arise as a result of the cardholder’s availment of ATM Protect for any reason whatsoever, such as, but not limited to, termination of the ATM Protect or ADA privilege or insufficient funds on the date of debit.

The terms and conditions stated above is a summary of the provisions of the UCPB GENERAL INSURANCE COMPANY, INC. (UCPB GEN) ATM Protect policy. In case of inconsistency, the provisions of the policy will prevail. For better appreciation, you may examine the policy, copies of which are kept at the Home Office of UCPB GEN or email atmprotect@ucpbgen.com.

THIS CONTRACT IS BETWEEN THE CLIENT AND UCPB GENERAL INSURANCE COMPANY, INC. (UCPB GEN) ALL TRANSACTIONS ARISING OUT OF OR RELATED TO THIS CONTRACT SHALL BE BINDING ONLY BETWEEN THESE TWO (2) CONTRACTING PARTIES. IT IS UNDERSTOOD THAT THIS TRANSACTION IS NEITHER INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION (PDIC) NOR GUARANTEED BY UNITED COCONUT PLANTERS BANK.

ATM Protect Tips






THIS PRODUCT IS BROUGHT TO YOU BY UCPB GENERAL INSURANCE COMPANY, INC. (UCPB GEN). THIS PRODUCT IS NOT A DEPOSIT. FINANCIAL PRODUCT/S OF UCPB GEN IS/ARE NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION AND IS/ARE NOT GUARANTEED BY UNITED COCONUT PLANTERS BANK.
 
24/7 CUSTOMER HOTLINES FOR INCIDENT REPORTS AND CLAIMS

Hotline (+632) 2367233
Mobile (+63) 917-5257233
Email atmprotect@gbg.com

For any inquiries, please visit any UCPB branch or contact us at (02) 811-9111 or email crc@ucpb.com .
UCPB is supervised by the Bangko Sentral ng Pilipinas with telephone number (02) 708-7087 and email address consumeraffairs@bsp.gov.ph.

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UCPB Trust Banking Group:
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Customer Advisories

BSP’s Warning Against the Improper Handling of Philippine Currency

The Bangko Sentral ng Pilipinas (BSP) warns the public that the willful defacement, mutilation, tearing, burning or destruction of Philippine banknotes and coins are punishable by a fine of not more than PHP20,000.00 and/or imprisonment of not more than five years, under Presidential Decree No. 247. It also states that Philippine “banknotes and coins are issued for circulation as medium of exchange and to utilize them for other purposes does not speak well of the due respect and dignity befitting our currency.”

The following are among the prohibited acts of defacement and/or mutilation of Philippine currency:

writing or putting marks on banknotes;
willful tearing, burning, or destruction, in any manner, of Philippine currency;
willful and excessive folding or crumpling that results in a breakdown of the structure and limpness of the banknote;
willfully causing multiple random folds across the entire banknote that toughly affect its visual appearance; and
willfully exposing banknotes or coins to chemicals or other materials resulting in the acceleration of the defacement, destruction, or natural wear and tear of the note or coin.

The public is also discouraged to staple banknotes and/or use adhesives to put on banknotes and coins as these will compromise their structural integrity.

The BSP encourages the public to report any information on improper handling of Philippine currency to the nearest police station or law enforcement agency, for appropriate action, or contact the Currency Management Sector for assistance at Tel. Nos. 988-4833 and 926-5092.

http://www.bsp.gov.ph/publications/media.asp?id=4943&yr=2019

System Maintenance Schedule: June 8, 2019 (12AM) to June 9, 2019 (11:59PM)

Please be advised that BancNet will conduct a system maintenance starting, Saturday, June 8, 2019 from 12:00 AM until 11:59PM Sunday, June 9, 2019. No downtime is expected but the activity may affect system performance.

UCPB accountholders may continue to use the UCPB ATM, Internet and Mobile Banking facilities at this time.

We apologize for any inconvenience this may cause you.

Thank you.

Attention: All UCPB Connect and Mobile Banking App Users

Please make sure to download the UCPB Mobile Banking App ONLY from Google Play and Apple App Stores to protect your account.

Here are the links:

Google Play Store: UCPB Mobile Banking App
Apple App Store: UCPB Mobile Banking App

Not yet enrolled in UCPB Connect? Visit ucpb.com/connect to enroll.

If you’re already an existing UCPB Connect user, no need to enroll separately in UCPB Mobile Banking App.
Just use your Connect ID and password to log-in.

For more information, please visit www.ucpb.com/mobilebanking/.

Thank you.

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