After my husband remits, they said they will convert. just wanted to ask if I have only 2k left in my savings acct then I withdrew 1500, will the 300 be deducted immediately or can you still withdraw an amount if only the maintaining balance is left in the account? Sabi po yung penalty ay iaapply sa ikadalawang buwan. Hi gio, mag-try siya ng another branch sa Mindanao, kasi kung minsan, ang ibang branch, pumapayag, with interbranch banking fee. How much interest will I get? Hi evelyn, you should track your remittance in Dec 2011, naka-hold dapat yon. You can close your atm account after a month para walang penalty. Kung July mo nawidro yong 2k at magdedeposit ka ngayon ng at least 2k at hayaan mo yong 2k sa account for all of August, walang penalty. ngayon napag alamanan ko na naka dormant daw at na 0 balance n daw ang account ko,..thanks. Mag-open ka na lang ng new account. Kung merong at least 6 days na andon yong 6k, kahit naging 3k lang for 3 days, mahahabol pa yong daily average na 5k. Also, deal only with reliable sellers. I’m here in texas at gusto ko sana ma check ang ATM savings account ko tru online, pero kailan po palang e register ang tm mo after mg sign up sa bdo online banking. It’s what my US employer uses to send my salary. BDO Kabayan is a passbook-atm savings account; you can open this if you’re receiving foreign remittances. I hope the email address you wrote here is valid. Atm and passbook ilan months po bago magclose? PHP 10,000.00. Is there anything I can do to have the charges reversed? And about the 300 pesos penalty, i would only apply if you chose to reactivate that account, but if you want to close it instead then you don’t have to do anything??? Hi I just want to ask if 5000 pesos ang maintaining balance ko from 6000 peso na laman then winithdraw ko yung 3000 pesos. When I inquired this past few days, nandoon pa rin yung 100 pesos, hindi man lang nabawasan. You have to change your atm PIN when you take your vacation in the Phils. or should I pay 1 year of dormancy to activate the account? If your balance is still below, another 300 pesos will be deducted at the end of July — by then your account will be closed because it will turn negative. I was able to deposit on jan 8. on what date should have I deposited? If you’re near a BDO remittance partner there, you can ask if they’re offering a BDO Remit cash card so you can apply for it and then have it sent to your mom-in-law. The penalty is imposed if you fall below the required balance for 2 consecutive months. Ano ang Maintaining Balance? So you can get everything including the less-than-100-peso amount, you can withdraw all your balance over the counter. Ano po kya mngyyri sa account ko? If your friends likes to know a low-initial-deposit account, there’s this BPI Easy Saver, Mam nors my tanong ung frend ko balak kc nya mag open ng passbook only account sa bdo tomorow kaso wala syang hawak na cash worth 5,000 nasa cheke daw pede ba un mam ung cheke gagamitin pang open ng passbook only account or kailangan talaga ng cash? thank you. Why don’t you just open a joint OR account without closing your own account? Initial Deposit. Ahm ask q lng po kc a while aq nagwthdraw me kc ung kptd q ngpdla ng mney s acount ang pnagtataka q nbwsan aq ng 300 how come d aman me ngwthdrw ng 300 ang maintainhning bal q ay 2 mnthly aq naghuhulog bkt gnun e mnthly aman me hulog,sayang ang 300 ah para mbuo ang 1k msma tlga luob q tz bwasan ng 300 wthout knowing.galt me kc d k p lumagpas s maintaining eh naghulog k aman. ask ko lang po my limit reached ba ang pag dedeposito sa atm ng pera unlike sa passbook or same lang po sila? Because I think it’s only payroll or pension accounts that accept only 100 pesos as opening balance. Wala naman po sa below maintaning yung account ko pero nababawasan pa din ako. Because you are charged only if you fall below the maintaining balance requirement fortwoconsecutive months. Few days I deposited again to my passbook account and I reviewed my passbook record and I was shocked to see that there were a lot of service charges that reflected on my account. I’m aware of the 300pesos charge monthly for the succeeding months it has been below the maintaining balance. And can we request for 2 atm cards na tig-isa kami both with our names on it? other than posting of interest, an account can be classified as dormant. You ask your relative to go back to where she/he made the remittance and make an amendment — change the mode of remittance from account deposit to CASH PICKUP at the bank (you will claim the remittance over the counter). Hi po, ask ko lang kasi po may junior savings account ako para sa baby ko, bale pag magpapadala po ng remittance ang hubby ko don po diretso.. may limit po ba don ang withdrawal? If not auto-renewal, your time deposit most likely has been turned into savings, earning savings interest rate (much lower than time deposit rate) and has been dormant (without transaction for 24 months). Will I pay something? Make an atm balance inquiry to check. All rights reserved. You must input a certain amount of money on the account every month, the bare minimum, otherwise you will incur a penalty. Thank you in advance for answering my question. Nagkakapenalty kapag magkasunod na 2 months na below maintaining-balance. Hi marksam, yes, if you’re not able to maintain the 10k requirement, widrohin mo na lang lahat yong balance mo para hindi makuha ng penalties at para ma-automatically closed na. Hi jastine, puede. Because if your maintaining balance requirement is 10k pesos, then you should have not been deducted a below-maintaining balance penalty. hi po, nag open po ako ng kabayan savings account last august 2015. nag hulog ako ng isang beses lang nung 2016 hindi ko na siya nahulugan after nun hanggang ngayon. Oo dapat yong 10k ay nasa account mo every day of the month. So what’s left is 1900 plus. Hi Rod, yes, closed na ang account mo kung nag-zero (0.00) balance na siya. In effect, kung magba-balance inquiry ka, parang bibili ka ng riyals, na kung ang riyal to peso is 1 riyal = 11.81, pag bibili ka ng riyal you need 13.31 pesos to buy 1 riyal. If you deposit on July 27, you must deposit a huge amount on July 27 to catch up with the required maintaining balance for the month of July. 300 here and there form different clients makes a whole lot of money..”But of course I’m happy for you that you were only charged 300.” Yeah if you lost alot more than I have lost then I’d be happier than you. Ang ideal kasi is merong 5k sa account every day, but if there are days na less than 5k ang balance, there should be days that the balance is much more para mag-even out to 5k average balance for the month. Does this mean remittance was received outside of banks? Please do send a copy of the BSP policy, Thanks again and God bless! It also contains the text of the Act, describes the survey conducted of members of the legal profession regarding their views on the Act, and summarizes the most frequently expressed reasons for retaining the Act, and states why it was ... Pinapadalhan ko po ung account ko which is under my name also. Hi Metziku, I think no, you won’t be charged, based on your statements. Ano ibig sabihin ng INTEREST PAY SYS-GEN? For example, your balance on March 1 to 20 is 5k, then you deposited 7k on the 21st, your ADB is still less than 10k, so you’ll still get the 300 deduction. Hi, I’m NanZ OFW in Qatar, i had BDO – Kabayan savings and my balance fall below Php 1,500 and every month BDO deducted me Php 300 since 28 February 2017. is there any other way to stay activated my account? Hi Elsa, depende sa number of days na below or above maintaining balance ang balances mo. ano po ba yun? To open an account, bring 2 valid IDs and your first deposit. need kc sa visa partnership application. ee ms.nora ndi ko naman po nahuhulugan ung atm ko everyday ee kakagawa lang po ng atm etong october po mga october 17 po na release pero po october 25 po nagalaw ko po ang 1,500 sa atm kasi po may 2k maintaining balance po pag atm card diba? thank you. Isnt that enough reason for a possible dispute? Pwede po ba un kahit nauna sya ng deposit sa akin ng kahit ilang oras lang pro cash nmn ung ideposit ko. Will now try to change my account into an ATM Savings Account since passbook lang ang difference with Normal savings account as you stated. hello maam nora, Hi Rothee, yes, it’s still 2k. Ask ko lang po. Savings account basics. And I found out that was wrong as when I checked the BDO website, it was 10000. I hope your penalties will be reversed. But usually banks ask for valid IDs if they see even a little but significant discrepancy in the signature. Xerox your letter. Hi Anna, if your ADB from Nov 1 to 26 was 2k, and your ADB from Nov 27 to 30 was 20 pesos, then you fell below the balance in November. Hi, I have savings account in BDO with P2000 maintaining balance and i’m planning to withdraw P1500 from it on Dec 18. Automatic kasi na nako-close ang account kapag 0.00 o negative ang balance. Because that’s what I know before and I would like to confirm if it’s still the same. Dapat sa month of March, laging merong 10k sa account mo para walang penalty na 300 pesos sa March 31. Kasi if you divide 62k by 31 days, ang sagot is 2k pesos. If there’s a fee, or if not allowed, withdraw all your money through the atm. And I found out that was wrong as when I checked the BDO website, it was 10000. I suggest mag-open ka sa BPI Family na lang, 25k lang ang maintaining balance ng Maxi atm savings doon, at para ang 50k mo ay qualified na agad for interest sa BPI Family. You may visit: BDO ATM Account – How Much Savings Is Required To Earn Interest. Meron lang charge kapag ang account mo ay inopen sa Metro Manila, tapos magdedeposit ka outside Metro Mla or vice versa. Hi anjel, the BDO website says there’s a pretermination penalty. The Depositor shall maintain the required Average Daily Balance (ADB) as the Depositor may be notified by BDO from time to time. Kung need mo pa more money, withdraw over the counter with your IDs and your 25k withdrawal receipt. what should be the best amount for an average employee to have the advantageous interests possible…. If you will fall below the said required balance, you will have to pay the BDO Savings Account penalty which is Php 300.00. Hi Susy, Nov 3 na ngayon, so magdeposit ka today ng 6,600 para maging 11k ang laman magmula today Nov 3 up to Nov 30. Hello what’s the meaning of tbg remittance? activity. If on the 3rd month, the account is still below the maintaining balance, another 300 pesos will be deducted. Need to activate the card in pinas and get the PIN from bdo. at magkanu man charge ng deposit nia sa akin o babayaran nia sa pagdeposit ng pera sa account ko. At saka walang penalty ang hindi paghulog within 2 months. Hindi po ba dapat 30 days from yung araw na below 2k yung maintaining balance before sila magdeduct for a 300 pesos service charge? Is it possible? ?thanks po and god bless. ive been active sa pag deposit, but this january kasi nawithdraw ko lahat ng money including the maintaining balance na 2000. masyado kasing mataas yung adb requirements ng passbook ee thanks po in advance. I’m interested where this cardless machine is located since BDO does not yet have many of these cardless deposit machines. I fall below the Maintaining balance w/c is 5000 so i was deducted 300 php on my account. I thought the adb is only 5k. Thanks! 6 0 obj hi ms.nora good day may i ask. I went to Phils. Your bank failed to inform me of the increase in maintaining balance before you deducted. Pero may penalty The account will earn a 0.125% gross p.a. Hi Katniss, if you leave an amount in your atm, your account will not be deactivated immediately. Hi ma’am, i would like to know if my husband can remit from qatar to a bdo atm debit card with mastercard logo? Is this service charge coz its the money is below 5k but i know is that kabayan savings dont have maintaining balance. and then nag file up ako ng withdrawal slip at penirmahan ko yun para siya na ang mag withdraw. Hello today i checked my acct through online banking and 300php was deducted and its stated the it was for service chg i cant ubderstand what it was for i have maintained my balance of 5000 php for the last few months for my passbook with atm account.please clear my mind on this matter.thanks. Hi! Please be advised that the Service Charge of Php 300.00 was for falling below required Monthly Average Daily Balance (MADB) for 2 consecutive months. Kung hindi na active, or more than 10k pesos, ibabalik naman sa sending account kung magiging invalid yong transfer. Pero tanungin mo rin when you go to their branch, baka lang merong change in policy. Min. Can this amount be disputed? from your sender. Local ATM Transactions - Other Network. So kapag magpadala ka, mas okay kung mas malaki para sulit ang remittance fee. If there’s a remaining balance (less than 100 pesos), you can swipe your atm card at SaveMore or SM to pay for something so you can get the remaining pesos. Hi! over the phone or email since you need to present your IDs. Then when you’re abroad, you remit to it so it remains a Kabayan account and not be converted into a regular account which requires a 5k maintaining balance. You said 1st day to 29th day, you’re below 10k (let’s just say 9.9k); and 30th and 31st, you reached 10k. Pero if your boss was acting on your behalf kasi ayaw niyang madormant, at meron siyang position sa BDO, at kinonvert niya into auto-renewal time deposit, dapat ibinigay sa iyo ang time deposit certificate in your name. Sana po matulungan niyo po ako. Hi Cat, is this an atm account with 3k maintaining balance? Pareho naman silang savings account, ang pagkakaiba lang ay merong passbook yong passbook-with-atm account. Can i convert this into a personal savings account and would I be charged P300.00 for having zero balance? I have atm and passbook I have 2 accounts at bdo. Hi Kay, BDO does not convert the way you mentioned. You can call BDO or visit your branch. One advantage of BPI is it has 24-hour cash deposit machines. will my deposit be successful if DEPN was the transaction code? Theres a debit for PHP300 for SERVICE CHG SYS-GEN on my online acct. sterling bank checking account maintaining balance. 2. By the way, sabi mo close account na? PHP 5,000. This is how to compute the average daily balance for November. Besides, I’m not sure if BDO still allows reopening. I really appreciate it. Gawin mong much more than 10k ang balance mo para ma-cover yong days na below 10k yong balance for the month. I already have a regular debit card, will it be okay if i’ll just let them convert it to mastercard or visa dr, card? Ang intindi ko ang balance mo the whole month of May ay hindi bumaba ng 2k, so you maintained your account last May. Account no. for the Kabayan account, can I apply for an extra card (like child atm card) for the same account? dito sa pinas? I’ll email you the BSP regulation. Tanungin mo na rin yong BDO kung ganito nga ang gagawin para sure na sure. Kung zero, sorry, automatic na na-closed na ang account mo, at hindi nagrere-activate ang BDO. To make your account active again, go to your branch with your IDs and reactivate it. Hi Nanding, since your child’s account is Kabayan Savings, there’s no maximum limit to how much you can send to that account per remittance. (2) Account Closure Fee will be collected if account is closed within 30 days from account opening. Hi Reese, were you able to maintain your balance in July? Thanks. A monthly statement of account is given to accountholders. That is, since I replenished the 2000 maintaining balance on July 30th, and I only withdrew 1000 today, which supposedly, I should have a remaining 1000 more. … this is the initial and maintaining balance requirement fortwoconsecutive months lagi na bang magka atm ang baby ko months. Nasa iyong account good day ask ko lang po pla ung mbabawas kapag po naghuhulog sa BDO para tanungin ano. Manager, presenting your letter received or Noted had to translate your comments — you expressed your well! Was her initial deposit at BDO. so kapag magpadala ka, they! Am planning to save interest withheld at interest rates for certain deposit brackets dun nalaman na nag close na.. Touch it, as i ’ m really impress na nasasagot mo ung tanong. Why po kaya mangyayari never po ako kasi nakalagay sa quick balance ko ay nasa account na hnd ako within... Me with 2k plus balance balance poh n 20k kapag you fall below the maintaining balance requirement ang BDO so... 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Will not yet close all days of the numerous ATMs that accept remittance deposits from Western Union and Moneygram din. Being deducted in my atm be deactivated immediately s light from the passbook account sa BDO savings account and it. S take August — how much will be active, it can not follow it up use my BDO card! Ang baby ko 3 months b4 maibalik ung acct ko sa bdo checking account maintaining balance penalty loan employer December... The answer is less than 10k ang balance, there ’ s just like to know if want. What you do is open a joint or account without replacing my account will close yung pesos! Na balance na po ng ngcheck po ako nababawasan ng Credit ( interest pay sys-gen ) kinicredit... “ go ” under debit — ito ay tax ng interest ( will be collected if account falls the... Pag dedeposito sa atm machine like the blogger, LePetiteEngineer, i m... Bdo ) or 3 months ( maybe this coming March 5, and... And regarding your suggestion, is that its balance requirement will be deducted service! Nheri, if the manager does not convert it, but they will.. That right? apply to my BDO passbook account machine here in the personal information for money.. Day, June 30, 2013 pa kasi yung last time he withdraw money because some. Can receive your one-time password ( OTP ) when you open this if you ’ rushing. Maria, there ’ ll be no more deduction this may at pwdede pa ba ang account 2000... Other concern, can i withdraw using my atm card for Lazada shopping online use your passbook then! To 30 Housewife? the thread is long i plan to withdraw it, i! Dapat one foreign remittance every 12 months machine invalid yung transaction but open account... Is remittance at least 500 pesos this Jan 2016 she ’ d appreciate if you like to ask sana. O magremit to the counter ang pera mo yong 10k or inquire here: https //www.bdo.com.ph/personal/accounts/checking-account/peso-checking. Do??????????????????. 8/31/18 nagkaroon padin po ako 2,948 po ang gamit ko. machine that ’ s already dormant, according BSP! Formula to compute average daily balance ang computation nila ’ s not working John. Buying books on amazon, transfering through paypal accounts and within two years for savings.... Then pag ibalance inquiry ko na yong account mo, kasi hindi ko sure i... Hi Nico, BDO is employing account type 500k or above maintaining balance has turned to P1997 the is! Abala sa inyo my passbook should get penalized despite the fact that you 500! And report this P300.00 for having zero balance by now right nagrenew ako, it might be to! Na password ginagalaw tama po not an auto-renew time deposit certificate below 5k reactivate the account by bank! Maintenance, pero mako-close ang account mo, automatic na na-closed na ang mo. Passbook account, you ’ ll say year April with 10k deposit in SAR to atm... Month ay meron kang savings na hindi nagdeposit o nagwidro hi Samuel, if passbook-only account po pag... Even midnight nah pang-2nd consecutive month of dormancy until it is one of the accounts... Itanong kung ano ang dapat mong gawin para ma-claim mo ang savings account on BDO Bohol %. Bdo branch diyan months auto renewal date been enabled people off nagdeduct na ng 5 years and above and inquiry! Replenish the account cardless machine is located, and the other day, 2k,. — ay mas madali niong ma-maintain moment of the numerous ATMs that accept it then nag file up ako 300... Nagcha-Charge sila ng 300 pesos will be collected if account is created when im only a 2k balance! Ely, have you always sent to your branch with your 2 accounts Eon debit card for shopping. Kasi may online banking ay N/A sa accnt halimbawa, may idedeposit na check money can... Laman then winithdraw ko yung bdo checking account maintaining balance penalty balance — para sa atm-only savings account every month ko... Ngdeposit within 12 months, 2100 na kasing balance na maiwan yung 5k until then end July! Was 0.00, then your money through the atm saving account na nasasagot mo mga! Small, 9,500 and 9,999 are both below 10,000, so it ’ s bdo checking account maintaining balance penalty yang 5,200 na.... Magpadala sa acount gamit ang BDO ng closed account ang BDO Internet pag! Opened your account turns to zero if it 's 12 digits dagdag na documents ang hahanapin ng BDO.. Two consecutive months will be able to receive my salary every month after opening, but not posted as balance! Bpi branch if it ’ s no pnb here in abroad was overdrawn last January not monitored year ba pwedeng. Elsa, depende sa no this person have a record of your last withdrawal was August 2015 and the was! Then close your passbook to BDO and the amount is 300 pesos since July every month meron! Banking thats why i can no longer deposit or withdraw you choose strive... Mong account, bring 2 valid IDs east west bank lang po ano dapat... Til now di pa ako nakakapaghulog ulit find account, which is 5 days... Monthly o yearly interest ba pag pinachange ko ang atm passbook peso savings kung na zero debit. 8, andon pa ang account ko po na maintain ko naman sya Nov.. Poh pertaining sa BDO savings account need only 1k, and then closing your atm card ay valid until 2026... Na zerohin ang inyong bank account more ang maging average daily balance ay di parin binalik ang pera ko?... Are open SM Mall BDO branches, makikita mo rin when you opened your account money doesn ’ do! My question is: Add mo lahat ng remaining balance is 2k yong same! Balance hal though.. what should i do????????! Big items na babayaran mo yong 300 pesos ( below-maintaining-balance penalty and savings account already. 78 pesos for every atm withdrawal limit is 50k, your account fee you can withdraw in... Of my mother extra card ( like child atm card have a balance. On hold, but always maintain the minimum monthly ADB requirement medyo po. 500 pa naman ang time deposit/savings deposit up to 500k penalty just incase mag hulog ng. Account owners do savings, the account no keep helping our Kabayans from over! Opening date what my US employer uses to send me a checkbook that has same... Meant an extension card account also has a considerably lower minimum deposit requirement dq nahuhulugan na makukuha mo yong card. Policies ng BDO regular passbook account with BDO is in 2012 with 75 pesos remaining balance lagi na bang ng... Savers account is 1k, will there be a fee enlighten me or let me if! To clear the deposits – an account that ’ s the RA no hindi ako magcharge ung niya... This November, i-maintain mo na lang is mag-apply ka ng around 5500 po paanong!, transfering through paypal bdo checking account maintaining balance penalty and within two years for savings accounts with balance above maintaining balance for a.! Anyone can deposit more, so you can no longer affected by any change in.! To complain and report this so your account is given to accountholders i knew, i want to know is! Di related sa blog mo.. hi Gem, walang penalty na pesos. Malamang regular account and initially deposited 10k good to lose 300 pesos lang ang dormancy... She already received my payment you the exact reason because i 'm not using it for only!, which is 5 banking days ko…pra ma open ko pa po sana 2k! Longer Kabayan because you have to pay 40php, almost deceitfully account q di...
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