Why You'll Love the Kabalikat Digital Checking Account:

No monthly maintenance fee

No monthly average balance requirement

Enjoy freedom and flexibility.

Debit card to use anywhere Visa® is accepted

Use your Kabalikat Digital Checking SFC+ debit card to shop in store and online, or at qualifying merchants and ATMs.⁶

100% digital onboarding

Open your account in minutes—anytime, anywhere—right from the SFC+ app.^{1, 5}

Easy account access

View balances, monitor transactions, and make contactless payments at Seafood City Supermarkets using the SFC+ app.^{4, 5}

Earn rewards² when you spend

Earn SFC+ Suki Points when using your Kabalikat debit card or SFC+ QR Pay⁴ to shop at Seafood City Supermarket.

How to get started

Step 1

Download the SFC+ app

Step 2

Click on the Kabalikat Digital Checking Account card at the top of your screen.

Step 3

Complete the digital onboarding process¹

Step 4

Fund your account (no monthly maintenance fee)

Step 5

Start spending and earning rewards², ⁴

Download Now

Frequently asked questions

General

Is SFC+ a bank

No, SFC+ is not a bank. It is a digital marketplace owned and operated by Seafood City Supermarket to serve Global Filipinos in North America and the Philippines. It offers a variety of services, including shopping discounts, remittance, digital gifts, and more, all while allowing users to earn and redeem Suki Points for rewards. 

The SFC+ App, SFC+ Suki Points and SFC+ rewards programs are offered exclusively by Seafood City Supermarket and subject to the terms and conditions of each program.

Is BayaniPay a bank?

No, BayaniPay is a financial technology company, not a bank. Through the SFC+ App and in coordination with Seafood City Supermarket, BayaniPay offers banking products and services that are provided by East West Bank, Member FDIC.

What is the relationship between SFC+ and BayaniPay?

SFC+ and BayaniPay are marketing partners that together deliver a suite of digital services  tailored for Filipinos. Through their strategic partnership, they aim to seamlessly connect  Filipinos residing in the United States with financial and lifestyle services that strengthen their ties to their home country, the Philippines.

What is the relationship between BayaniPay and East West Bank?

BayaniPay and East West Bank have an exclusive banking services agreement. Under this  agreement, East West Bank is the U.S. based banking partner for BayaniPay, enabling them to offer the Kabalikat Digital Checking Account and debit card through Seafood City’s SFC+ App.

Is East West Bank a U.S. bank?

Yes. East West Bancorp is a publicly owned company with total assets of more than $75 billion and is traded on the Nasdaq Global Select Market under the symbol “EWBC.” The company’s wholly-owned subsidiary, East West Bank, member FDIC, is one of the largest independent banks headquartered in Southern California. East West is a premier bank that operates over 100 locations worldwide, including in the United States markets of California, Georgia,Massachusetts, Nevada, New York, Texas, and Washington.Yes. East West Bancorp is a publicly owned company with total assets of more than $75 billion and is traded on the Nasdaq Global Select Market under the symbol “EWBC.” The company’s wholly-owned subsidiary, East West Bank, member FDIC, is one of the largest independent banks headquartered in Southern California. East West is a premier bank that operates over 100 locations worldwide, including in the United States markets of California, Georgia,Massachusetts, Nevada, New York, Texas, and Washington.You can redeem your Suki Points to pay for groceries at Seafood City, OR convert it to PAL Mabuhay Miles.

What products and services are provided by East West Bank through SFC+ and BayaniPay?

Through BayaniPay’s partnership with Seafood City and their agreement with East West Bank, SFC+ users can apply for a Kabalikat Digital Checking Account, a full-service U.S. checking account offered through East West Bank, member FDIC. Kabalikat Digital Checking account owners can also request a Visa® Debit Card linked to their Kabalikat Digital Checking account and the SFC+ QR Pay feature.

What is a routing number?

A routing number is a nine-digit number used to identify a U.S. financial institution. 
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Within the U.S., you’ll need to provide both your East West Bank account number and the East West Bank routing number to receive money into or move money out of your Kabalikat Digital Checking Account.
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The East West Bank routing number is: 322070381

What is a SWIFT code?

A SWIFT code is an international code that identifies a specific bank worldwide. It’s also known as a Bank Identification Code (BIC). 

A SWIFT code consists of 8 or 11 characters and is required when sending an international wire transfer to your Kabalikat Digital Checking Account. 
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East West Bank’s SWIFT code is EWBKUS66

Funding

How do I fund my Kabalikat Digital Checking Account offered through East West Bank?

U.S. bank or financial institution

If you’re sending funds from another U.S. bank or financial institution, you’ll need the following:

Your East West Bank Account Information

Beneficiary Name: Your First Name, Last Name
Account Type: Checking
Account Number: Your East West Bank checking account number. To find your account number on the SFC+ App, tap your account on the Dashboard, then select View Account Details to view your account number.
ABA/Routing No.: 322070381

If you continue to experience problems, please contact our customer support team for further assistance.

ACH Transfer (funds should arrive within 3-5 business days) 

1. Go to your U.S. bank, brokerage or financial institution and add your East West Bank account as an ACH recipient 
2. You will need to provide your Account Number and ABA/Routing details 
3. Initiate the ACH funds transfer. It typically takes 3 to 5 business days to complete the transfer

Wire Transfer (funds should arrive within 1-3 business days) 

1. Contact the U.S. bank, brokerage, or financial institution you wish to transfer funds from and request to initiate a wire transfer to your East West Bank Kabalikat Digital Checking Account 
2. You will need to provide your Account Number and East West Bank’s ABA/Routing details

Note: Depending on the financial institution, you may be able to start the process online. You may also be required to complete a wire transfer form.

Overseas (non-U.S.) Bank or Financial Institution

If you’re sending funds from a non-U.S. bank or financial institution, you’ll need the following:

Your East West Bank Account Information

Beneficiary Name: Your First Name, Last Name
Account Type: Checking
Account Number: Ensure your device meets the minimum requirements to run SFC+ smoothly.
SWIFT/BIC Code: EWBKUS66
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If you continue to experience problems, please contact our customer support team for further assistance.

International Wire Transfer (should arrive within 5-7 business days) 
1. Contact the overseas bank or financial institution you wish to transfer funds from
and request to initiate a wire transfer to your East West Bank Kabalikat Digital Checking Account 
2. You will need to provide your Account Number and East West Bank’s SWIFT code

Note: Depending on the financial institution, you may be able to start the process online. You may also be required to complete a wire transfer form

What are the minimum funding and monthly balance requirements for the Kabalikat Digital Checking Account?

The KabalikatDigital Checking Account does not require a minimum deposit or minimum balance.

Please note, accounts that are not funded within 90 days or that at any timemaintain a continuous zero balance for 90 days or more, will be automatically closed subject to East West Bank’s terms and conditions.

Can I fund my account in a currency other than USD?

If you are funding your account by wire transfer from a foreign bank you can sendfunds in foreign currency and they will be automatically converted to USDbefore crediting your account. Foreign exchange conversion rates will be based on East West Bank’s exchange rate in effect at the time the funds are received.

If my account is closed are there rules for reopening?

Accountreopening requests are subject to East West Bank (“The Bank”) review and approval. The Bank is under no obligation to honor a reopening request, and notall accounts will qualify for re-opening. A reopening fee may be deducted from the account at the time it is funded.

Debit Card

How do I request a debit card?

Which ATMs will accept my debit card?

Youcan use your debit card at ATMs that display any one of the following logos:Visa^®, Plus^®, STAR^®, NYCE^®, PULSE^®,Interlink^®, Allpoint^® and MoneyPass^®.

Please note, third-party ATM usage fees may apply.

What fees will I be charged when using my debit card at an ATM?

Youwon't be charged a fee when using an East West Bank ATM. You also won’t becharged a third-party ATM usage fee when using an ATM that displays theAllpoint^® or MoneyPass^® logo.

Additionally,East West Bank will not charge you for the first two non-proprietary ATMwithdrawal transactions in your statement cycle. After that, each withdrawal transactionwill be charged a $1 fee. Additionally, third-party ATM usage fees may also becharged by the ATM operator.

See Fee Schedule

Do I need a debit card?

No, a debit card is not required for deposits, wires and transfers. Therefore, a debit card will not be automatically issued, but you are able to order a cardat a later date if you need one. Your debit card will have a unique card number that will be linked to your checking or savings account.

Can I use my debit card with a digital wallet?

Yes, you can add your debit card to a digital wallet to make purchases in-store,online or in-app if the merchant accepts mobile payments.

Customer Service

Where should I contact for customer service regarding my Kabalikat Digital Checking Account?

Youcan contact us by email at support@sfc.plus or by phone at +1 888 421 2838.

Disclosures

Banking products and services are offered through East West Bank, Member FDIC. SFC+ is a digital marketplace owned and operated by Seafood City Supermarket, not a bank.

Applications for the Kabalikat Digital Checking are subject to review and Approval by East West Bank.
 
Additional East West Bank account terms, conditions and fees apply. For information about the East West Bank Kabalikat Digital Checking refer to the Account Terms Disclosure and Fee Schedule.
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Rewards for making purchases at Seafood City Supermarket from your Kabalikat Digital Checking are offered exclusively by Seafood City Supermarket, not East West Bank. The SFC+ app, SFC+ Suki Points,and SFC+ rewards programs are subject to the SFC+ terms and conditions for each program. Learn more at sfc.plus/rewards.
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To access your Kabalikat Digital Checking using East West Bank s Mobile App, you must enroll in their Online Banking Services.
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Use SFC+ QR Pay and your Kabalikat Digital Checking to seamlessly pay for purchases at Seafood City Supermarkets. Maximum purchase amount maybe limited by QR Pay purchase limits, the Available Balance in your Kabalikat Digital Checking Account, and your debit card limits.
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East West Bank and SFC+ do not charge for mobile banking, but message and data rates may apply.
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The Kabalikat Digital Checking Account SFC+ debit card is accepted by merchants or ATMs displaying one or more of the following logos: Visa®, Plus®,STAR®, NYCE®, PULSE®, Interlink®, Allpoint® or MoneyPass®. ATM usage fees may apply.