For the longest time now, I have had time deposits at Bank of Commerce.
At it is not because I have lots of money, but because at Bank of Commerce, they accept Time Deposits for as low as $20 or 1000 pesos. You just get a certificate of Time deposit for your money and if you want, you can have the same due date and just pool your money together for a single time deposit certificate when the due comes.
The interests rates are okay, considering that they accept very low balances. But of course, if your balance is big then the interest rates go higher. Their rates are comparable to the many small banks, which means they are so much higher in interest than the big banks, even when it is already considered a big bank. In most big banks, they require an opening balance of at least $1000 or $2000. It is too much for me.
So right now, I have more than $1000 with Bank of Commerce. When all my deposits reached that amount they pooled my money and instead of giving me a certificate, they gave me a passbook for it and with little addition to the interest. But this passbook time deposit could not be topped up with any amount, but the minimum is at least $1000. This is fine with me, because I just put in smaller amounts with their regular time deposit and get a certificate for it. Like in the previous process, they will again pool the money with my passbook account when the due date comes.
As for customer service, they are very friendly and helpful, offering choices, etc. They are very police, too. I really like this bank.