--- title: [OR] [MBT] [E3] [CBS] [1] [DP] Deposit and Withdrawal Services description: [OR] [MBT] [E3] [CBS] [1] [DP] Deposit and Withdrawal Services image: https://blog.bcm-institute.org/hubfs/Metrobank%20PH%20Graphic%20Folder/Metrobank%20E3%20Morepost/Metrobank%20CBS%201/%5BOR%5D%20%5BMBT%5D%20%5BE3%5D%20%5BCBS%5D%20%5B1%5D%20%5BDP%5D%20Deposit%20and%20Withdrawal%20Services.jpg --- . . [![BCMIWhiteLogo.png](https://blog.bcm-institute.org/hs-fs/hubfs/Blog%20Testing/BCMIWhiteLogo.png?width=556&name=BCMIWhiteLogo.png "BCMIWhiteLogo.png")](http://www.bcm-institute.org/) - [Home](https://www.bcm-institute.org/) - [About Us](https://www.bcm-institute.org/about-us-3/) - [A President’s Perspective](https://www.bcm-institute.org/about-us/a-presidents-perspective/) - [Our History](https://www.bcm-institute.org/about-us/our-history/) - [Our Advisory Council](https://www.bcm-institute.org/about-us/our-advisory-council/) - [Customers’ Testimonials](https://www.bcm-institute.org/about-us/customers-testimonials/) - [Credential Verification](https://www.bcm-institute.org/about-us/credential-verification/) - [Courses](https://blog.bcm-institute.org/blog/course-fees-for-blended-learning-courses-master-catalog) - [ISO 22301 Business Continuity Management System Audit](https://blog.bcm-institute.org/audit/business-continuity-management-audit-courses) - [ISO 22301 Business Continuity Management](https://blog.bcm-institute.org/bcm/business-continuity-management-courses) - [Crisis Communication](https://blog.bcm-institute.org/crisis-communication/crisis-communication-courses) - [Crisis Management](https://blog.bcm-institute.org/en/crisis-management/courses) - [IT Disaster Recovery](https://blog.bcm-institute.org/it-disaster-recovery/courses) - [Operational Resilience](https://blog.bcm-institute.org/operational-resilience/courses) - [Operational Resilience Audit](https://blog.bcm-institute.org/operational-resilience-audit/courses) - [Certification](https://blog.bcm-institute.org/certification/types-of-certifications-offered) - [ISO 22301 BCMS Audit Certification](https://blog.bcm-institute.org/certification/business-continuity-management-audit-certification) - [ISO22301 Business Continuity Management Certification](https://blog.bcm-institute.org/bcm/business-continuity-management-certification) - [Crisis Communication Certification](https://blog.bcm-institute.org/crisis-communication/crisis-communication-certification) - [Crisis Management Certification](https://blog.bcm-institute.org/en/crisis-management/crisis-management-certification) - [IT Disaster Recovery Planning Certification](https://blog.bcm-institute.org/it-disaster-recovery/it-disaster-recovery-certification) - [Operational Resilience Certification](https://blog.bcm-institute.org/operational-resilience/operational-resilience-certification) - [Operational Resilience Audit Certification](https://blog.bcm-institute.org/operational-resilience-audit) - [Seminars](https://blog.bcm-institute.org/meet-the-expert/mte-webinar-mainpage) - [Store](https://www.bcm-institute.org/store-2/) - [Contact Us](http://www.bcm-institute.org/about-us/contact-us/) - - ###### Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide ![OR BB_v4_11](https://blog.bcm-institute.org/hs-fs/hubfs/BB%20OR%20%5BAi%20Gen%20Blog%20Photo%5D/BB%20OR%20v4/OR%20BB_v4_11.jpg?width=2000&height=1333&name=OR%20BB_v4_11.jpg "OR BB_v4_11") # \[OR\] \[MBT\] \[E3\] \[CBS\] \[1\] \[DP\] Deposit and Withdrawal Services [![New call-to-action](https://no-cache.hubspot.com/cta/default/3893111/87e7f49d-dbef-4f23-931f-4a1f511f70bf.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/87e7f49d-dbef-4f23-931f-4a1f511f70bf) The ability to process reliable, secure deposit and withdrawal transactions is at the core of Metrobank’s customer-facing services. These critical business services (CBS) enable customers to manage their finances smoothly and efficiently, whether through physical branches, ATMs, or online banking platforms. Given the evolving financial landscape and the growing focus on operational resilience, understanding the processes and safeguards in place for these services is essential to ensuring uninterrupted service delivery. This chapter delves into the detailed sub-processes that comprise Metrobank’s CBS-1: Deposit and Withdrawal Services, and highlights the operational strategies that ensure system uptime, security, and customer satisfaction. ### [![New call-to-action](https://no-cache.hubspot.com/cta/default/3893111/732790df-c975-4982-a409-321d37ad0f1c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/732790df-c975-4982-a409-321d37ad0f1c) [Moh Heng Goh](https://blog.bcm-institute.org/ebook-or/author/moh-heng-goh) Nov 7, 2025 ###### Operational Resilience Certified Planner-Specialist-Expert ### [![New call-to-action](https://no-cache.hubspot.com/cta/default/3893111/2196d2c2-e6e2-49b4-ba01-e7d03071dd00.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/2196d2c2-e6e2-49b4-ba01-e7d03071dd00) ### [![New call-to-action](https://no-cache.hubspot.com/cta/default/3893111/732790df-c975-4982-a409-321d37ad0f1c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/732790df-c975-4982-a409-321d37ad0f1c)CBS-1 Deposit and Withdrawal Services [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[1\] \[DP\] Deposit and Withdrawal Services](https://no-cache.hubspot.com/cta/default/3893111/617f0964-a5d1-4934-84ba-a00bc7c3505b.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/617f0964-a5d1-4934-84ba-a00bc7c3505b)[![New call-to-action](https://no-cache.hubspot.com/cta/default/3893111/29bb9d93-0328-4721-8df1-d92f49b65c1c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/29bb9d93-0328-4721-8df1-d92f49b65c1c)  These critical business services (CBS) enable customers to manage their finances smoothly and efficiently, whether through physical branches, ATMs, or online banking platforms. Given the evolving demands of the financial landscape and the growing focus on operational resilience, understanding the processes and safeguards in place for these services is essential for ensuring uninterrupted service delivery. This chapter delves into the detailed sub-processes comprising Metrobank’s CBS-1: Deposit and Withdrawal Services and highlights the operational strategies that ensure system uptime, security, and customer satisfaction.   [![Banner \[Table\] \[OR\] \[E3\] Detailed Processes](https://no-cache.hubspot.com/cta/default/3893111/3ecaed5c-33ef-4660-bbad-bdc9839aa08c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3ecaed5c-33ef-4660-bbad-bdc9839aa08c) Table P1: Detailed Processes for CBS-1 | Sub-CBS Code | Name of Sub-CBS | Description of Sub-CBS | | --- | --- | --- | | 1.1 | Cash Deposit at Branches | Customers deposit cash at bank counters or kiosks, where it is counted, verified, and credited to their accounts. | | 1.2 | Deposit via ATMs | Customers use ATMs to deposit cash, which is counted and credited to their accounts. | | 1.3 | Online/Internet Banking Deposits | Customers initiate electronic fund transfers from external accounts to Metrobank accounts through secure gateways. | | 1.4 | Cash Withdrawal at Branches | Customers withdraw cash at bank branches, where staff verify the account balance and dispense the requested amount. | | 1.5 | ATM Withdrawals | Customers use ATMs to withdraw cash, which verify account details and dispense the requested amount. | | 1.6 | Online/Internet Banking Withdrawals | Customers initiate electronic fund transfers from their Metrobank accounts to external accounts via secure platforms. | | 1.7 | Failed Deposits or Withdrawals | In case of transaction failures (e.g., insufficient funds, system errors), the bank investigates and resolves the issue. | | 1.8 | Fraud Detection and Prevention | The bank’s fraud detection systems monitor transactions, flag suspicious activity, and initiate investigations when needed. | ### [![Banner \[Summing\] \[OR\] \[E3\] Detailed Processes](https://no-cache.hubspot.com/cta/default/3893111/bce25519-5bf0-4302-aa7e-f4d565499b6d.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/bce25519-5bf0-4302-aa7e-f4d565499b6d) In conclusion, CBS-1: Deposit and Withdrawal Services represent the backbone of Metrobank’s operations, requiring precise coordination, robust security measures, and constant attention to customer needs. By examining the sub-business processes outlined in this chapter, it becomes clear that operational resilience encompasses not only maintaining service uptime but also safeguarding customer assets, ensuring security, and responding promptly to issues as they arise. The systems and processes discussed here form the foundation on which Metrobank builds trust with its customers, ensuring they can access their funds whenever and wherever needed, with confidence in the bank’s reliability and security.   | Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide | | | | | | | --- | --- | --- | --- | --- | --- | | **eBook 3: Starting Your OR Implementation** | | | | | | | **CBS-1 Deposit and Withdrawal Services** | | | | | | | **CBS-1 DP** | **CBS-1 MD** | **CBS-1 MPR** | **CBS-1 ITo** | **CBS-1 SuPS** | **CBS-1 ST** | | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[1\] \[DP\] Deposit and Withdrawal Services](https://no-cache.hubspot.com/cta/default/3893111/617f0964-a5d1-4934-84ba-a00bc7c3505b.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/617f0964-a5d1-4934-84ba-a00bc7c3505b) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[1\] \[MD\] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/8701f58b-57c1-4bab-8256-b9c99e671bac.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/8701f58b-57c1-4bab-8256-b9c99e671bac) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[1\] \[MPR\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/adb2baeb-7bc3-484b-96b0-1f34c245c442.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/adb2baeb-7bc3-484b-96b0-1f34c245c442) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[1\] \[ITo\] Establish Impact Tolerances](https://no-cache.hubspot.com/cta/default/3893111/9bcce43c-3843-495b-aeaf-e8f105df9c30.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/9bcce43c-3843-495b-aeaf-e8f105df9c30) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[1\] \[SuPS\] Identify Severe but Plausible Scenarios](https://no-cache.hubspot.com/cta/default/3893111/a39a16ba-b0c1-4577-b41d-29a97b59deff.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a39a16ba-b0c1-4577-b41d-29a97b59deff) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[1\] \[ST\] Perform Scenario Testing](https://no-cache.hubspot.com/cta/default/3893111/52cc70bd-1c19-465b-97cf-cc83e9619bb5.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/52cc70bd-1c19-465b-97cf-cc83e9619bb5) |   [![New call-to-action](https://no-cache.hubspot.com/cta/default/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6)Gain Competency: For organisations looking to accelerate their journey, BCM Institute’s training and certification programs, including the OR-5000 Operational Resilience Expert Implementer course, provide in-depth insights and practical toolkits for effectively embedding this model. #### More Information About OR-5000 \[OR-5\] or OR-300 \[OR-3\] To learn more about the course and schedule, click the buttons below for the OR-300 Operational Resilience Implementer course and the OR-5000 Operational Resilience Expert Implementer course. | [![BL-OR-3 Register Now](https://no-cache.hubspot.com/cta/default/3893111/3530eccb-515d-401e-afc2-3469e26d7fbf.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3530eccb-515d-401e-afc2-3469e26d7fbf) | [![BL-OR-3_Tell Me More](https://no-cache.hubspot.com/cta/default/3893111/fdd4fa9c-ed69-40c1-925f-4eb6a1c5c255.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/fdd4fa9c-ed69-40c1-925f-4eb6a1c5c255) | [![BL-OR-3_View Schedule](https://no-cache.hubspot.com/cta/default/3893111/77a34b84-0a6d-44f8-b8d6-6ab04cdf5edd.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/77a34b84-0a6d-44f8-b8d6-6ab04cdf5edd) | | --- | --- | --- | | [![BL-OR-5_Register Now](https://no-cache.hubspot.com/cta/default/3893111/6e5c0cda-39b9-4bbd-b3d4-4cf46a790b14.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/6e5c0cda-39b9-4bbd-b3d4-4cf46a790b14) | [![BL-OR-5_Tell Me 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