OwnBank is committed to enhancing your banking experience. Therefore, OwnBank covers some of the payment channel fees incurred from your transactions for a better service experience that caters to your daily banking needs, such as Cash In, Time Deposit, mobile load purchase, etc.; you are charged the channel fees only if your transaction exceeds the free transactions. To view the details of fees, please visit the OwnPay page. OwnBank reserves the right to interpret the rules on fees.