4.14.2012

What Is Maintaining Balance in Bank Accounts?

By Nora
Updated Sep 18, 2014

What Is Maintaining Balance in Bank Accounts?

Why do we get a penalty of 300 pesos or more every month for NOT maintaining the Minimum Monthly Average Daily Balance for 2 consecutive months?

What is this Minimum Monthly Average Daily Balance (MADB)? or Maintaining Balance?

Maintaining Balance is the Minimum Average Daily Balance we should have in our savings account or checking account every month.

Why is there a Maintaining Balance requirement?

The banks say they spend money to handle our accounts, so they must make some profit from our accounts, and therefore, according to them, we should maintain a certain minimum amount of money in our accounts.

The banks check our balances, not everyday, but every end of the month. They compute the average balance for 30 days or 31 days of the month -- that's why it's called Monthly Average Daily Balance (MADB).

They consider the end-of-day balance. If our balance in the morning is 10,000 pesos, and at the end of the day, our balance is 15,000 pesos, they consider 15,000 pesos.

If the required Maintaining Balance is 2,000 pesos, do we need to have 2,000 pesos in our account everyday?

Yes, so that we don't have to think about maintaining balances.  :)

But we can have less than 2,000 pesos in our accounts some days, as long as we deposit much more than 2,000 pesos in other days, so that when the MADB is computed at the end of the month, the MADB is still 2,000 pesos or more.

Example:
Your savings account has a balance of 2,000 pesos.
The required MADB  is 2,000 pesos.
The penalty for falling below MADB for 2 consecutive months is 300 pesos.
You withdrew 500 pesos, resulting in a balance of 1,500 pesos.
Will your balance be reduced by the 300-peso penalty?

Can be Yes, can be No.

If your balance remains 1,500 pesos over 2 consecutive months, your balance will be reduced by the 300-peso penalty at the end of the 2nd month.

But if you deposited high amounts of money in other days, so that your MADB at the end of the month is 2,000 pesos or more, then your account will not be penalized.

Or even if you fell below MADB for the first month, but you reached your required MADB on the second month, you will not get the penalty.

How do banks Compute MADB?

They add the end-of-day balances for all the days of the month,
and then divide the TOTAL by the number of days of the month
(divided by 30 or 31 or 28 or 29).

Example: April has 30 days:
For the first 5 days of the month, your balance everyday was 2k.
then for the next 20 days, your balance everyday was 1k
and for the last 5 days, your balance everyday was 3k

5 days x 2k = 10k
20 days x 1k = 20k
5 days x 3k = 15k
10k plus 20k plus 15k = 45k

45k divided by 30 days = 1,500 pesos

Your MADB is 1,500 pesos

Obviously, that's below the 2k minimum MADB.
If for the next month, your MADB is still below 2k, then your account balance will be reduced by 300 pesos.

Another example: March has 31 days
First 5 days, balance everyday is 2k = 10k
Next 10 days, balance everyday is 1k  = 15k
Next 16 days, balance everyday is 3k = 48k
10k plus 15k plus 48k =  73k
73k divided by 31 days = 2,354.84

Your MADB is 2,354.84.

That's above the 2k required MADB. That means you have maintained your account, so there will be NO penalty.
And that means you are on your way to saving a LOT of MONEY if you continue to deposit and NOT withdraw.

Peso Savings Accounts for OFWs, Usually Zero or Low Maintaining Balance

US Dollar Accounts with Low Maintaining Balances

What is Maintaining Balance in Bank Accounts?
Minimum Average Daily Balance (MADB)

157 comments:

  1. About BPI Express Teller account's MADB Sep 2
    1. Does MADB mean every month you have to deposit a cash for a minimum of 3000, or it only means you need to maintain a minimum of 3k in your account? ANSWER: It means you maintain 3k or more in your account.
    2. Does transferring of funds from another BPI account (company provided) to your personal BPI Express Teller account, considered as a deposit? just not to get the account in dormant state. Thanks! more power.
    ANSWER: Yes, your company's transfer to your account is considered a deposit. Withdrawal from your account is another transaction that prevents dormancy (at least once within 24 months).

    ReplyDelete
  2. Hi Nanay Nora,

    Just want to ask this kind of scenario (my case).
    My account has been below maintaining balance since Feb in BDO. The ADB is 10000. So that means i am being charged for 300 Php penalty up to September.
    Then I am planning to deposit 10000 for the month of October, if example I have deposited on the October 1st and did not withdraw until the last day of October, will I be charged of 300 Php again since I failed to follow the maintaining balance from Feb to September?

    ReplyDelete
    Replies
    1. Hi Anak, if you deposit 10,000 as you said on October 1 and maintain 10k there until Oct 31, you will no longer be charged 300 for the month of October. Check your account on Oct 1 or 2 to make sure there are no other deductions and that your balance is 10k.

      Delete
    2. How come my balance in 10k+,yet they deducted 300pesos

      Delete
  3. Hi po Mam Nora,

    Your blog is really helpful po.. Good thing I've seen this blog and knew all different scenario and you are indeed kind of giving all the answers. Now in case, I am planning to open a passbook savings to BDO, the MADB is 10,000, and the maintaining balance is 5,000. Is it just safe to keep the amount of 10,000 in my account para hindi po ako ma penalize? Kasi po, I know hindi po ako maka deposit Monthly probably, depende pa po kelan ako magkakaroon ng extra for savings. So if I will just keep the 10k in my account, hindi po ba ako ma penalize ng 300 monthly.
    I will really appreciate your answer.

    ReplyDelete
    Replies
    1. Hi Derline, thanks for appreciating my blog. Makes me glad. The MADB is 10k. The maintaining balance is 10k. MADB (monthly average daily balance) and maintaining balance are the same.
      Yes, yours is a good plan. Deposit 10k and keep it there, do not withdraw. Yes, there will be no penalty even if you do not deposit every month, as long as you have 10k there.
      Note also that there's dormancy: A savings account becomes dormant after 24 months without deposit or withdrawal.

      Delete
  4. Hi Mam Nora, I have another question. Can you site a sample of how much I can earn monthly. Let say I keep the 10k monthly in my account for BDO passbook savings. How much I can earn monthly having the interest rates of .25% per annum.. I look forward for your reply. And thank you so much in advance, you are such a great help.

    ReplyDelete
    Replies
    1. Hi Derline, sorry to say that your 10k will not earn much. Just feel good that you are able to save. I suggest you do not think much about the interest because it's almost nothing, maybe 1.50 after tax. Just keep thinking you are saving. When you accumulate 50k, you can put it in time deposit (choose auto-renewal), so it can earn some money. Kudos for saving.

      Delete
  5. About balance of 5,500 pesos in Kabayan account for almost 1 1/2 years Oct 6 2015
    I have 5,500 in my kabayan bank account and it's been 1 1/2 yrs that I haven't deposited to it. Will it close? Will my 5500 pesos disappear?
    ANSWER:
    When was your last deposit to your account from abroad? 12 months after your last deposit, your account was most likely converted into a regular account. This means you need to maintain 10k in your account, and the penalty for less than 10k is 300 pesos per month. It's possible your total deduction is already 1,500 pesos (300 x 5 months), and your remaining balance is 4k. To save your 4k, you can withdraw it via atm there (if your atm is with Mastercard logo and activated), or you can continue saving by sending maybe 7k so the total balance will be more than the required 10k. You can also call BDO via landline toll-free: International Access Code-800-8-6318000. You can also inquire here: https://www.bdo.com.ph/contact-us

    ReplyDelete
  6. Hi ms. nora ask ko lang po, May 2k maintaining bal ako bdo atm yun kakaopen ko lang ngayong october, kapag ba hindi ko pinakealaman ung maintainibg ko tapos ng deposit ulit ako ng 1k wala namang mababawas dun? kahit 1month hndi ko winiwithdraw?

    ReplyDelete
  7. About 2k maintaining balance of account with BDO Oct 12 2015
    Hi ms. nora. I have 2k maintaining balance in my bdo atm. I opened it just this october. If I don't touch this 2k, and then I deposit again 1k, will there be no deduction? even if in 1 month I do not withdraw it?
    ANSWER:
    No, there will be no deduction. Maintain the 2k in your account, do not withdraw it, so you do not have to worry. If you deposit 1k, it's better. Then it you withdraw 500, it's okay, you still have 2,500. Just don't touch the 2k. But it's good if you keep on depositing. Maybe once or more a month. Or once in 2 months. If you do not withdraw in 12 months, it's better.

    ReplyDelete
  8. Hi Maam Nora. First of all, I would like to say that this blog has really helped me decide if I should withdraw my money. I have a savings account with BDO (with passbook and ATM card).

    Maam Nora, am I correct in thinking that BDO will only charge the 300 penalty if i fail to maintain the required MADB on the 2nd consecutive month?

    Thanks and God bless!

    ReplyDelete
    Replies
    1. About maintaining balance:
      Yes, you are correct. You will be charged 300 pesos only if you fall below the MADB for 2 consecutive months. The penalty will be charged on the last day of the 2nd consecutive month, and every month thereafter, until the MADB is maintained.
      Since your account is a passbook account, your MADB is 10,000 pesos.
      Maintain 10k in your account. God bless too, and thanks for appreciating my blog.

      Delete
  9. Hi! We have an accnt in bpi, with maintaining balance of 3k..around july or august we have no choice but to withdraw 2k, and until now we havnt replaced it yet..will the accnt be closed by this month of october? Tnx

    ReplyDelete
    Replies
    1. About maintaining balance: If you withdrew in July, that means you were deducted the 300-peso penalty on August 31 and another 300 on Sep 30. You'll be again deducted with 300 on Oct 31 if not maintained this month. If you're not sure you can maintain it, maybe it's better if you just withdraw your 400 pesos, and open a BPI Easy Saver.

      Delete
  10. Hi Ms. Nora. May acct po ako sa BPI sa pinas may maintaining balance na 3k. last year pa yong last transaction ko zero balance na po sya. Pero pinag inquire ko po yong family ko kung active pa, ok pa daw active pa. Ang problem ko, baka pag magpa deposit ako sa acct ko mauubos lang po dahil sa penalty knowing na more than a year na 0 balance na po un .takot ako dahil nabawasan na din ako ng 300pesos twice nung hindi ko na maintain ung 3k. pls help me on this... if I will let my family use my account. Thanks

    ReplyDelete
  11. About BPI account with 3k maintaining balance October 21, 2015
    Hi Ms. Nora. I have a BPI acct in pinas with 3k maintaining balance. last year was my last transaction, already zero balance. I asked my family to inquire if still active, and was told it's still active. My problem is if I deposit to my account, it will just be used to pay penalties knowing it's more than a year it's 0 balance. I worry because I've had deductions of 300 pesos twice when I failed to maintain 3k. pls help me on this if I will let my family use my account. Thanks
    ANSWER:
    Yes, your new deposit will be used to pay your past penalties, so if it's not very important that you have an account here in the Phils, it's wiser if you ask your family to open their own account. If they have valid IDs, they can open a bank account. BPI Family offers an atm-only account whose maintaining balance requirement is only 1k pesos. There's also the zero-maintaining-balance BPI Easy Saver, but this imposes a 5-peso fee for every atm withdrawal and balance inquiry.

    ReplyDelete
    Replies
    1. Thanks Ms Nora. However, I have 3 accounts in BPI but the 2 atm cards are with me now . Upon checking my online acct this morning. My acct in Pinas with zero balance became (-1.5) debited since the inquiry made was thru other banks . I'm just worrying for my 2 accounts with healthy balances, are they safe from the incurred penalty & charges with my penalized acct ... is there any possibility of offsetting under my accounts? Thanks Thanks.

      Delete
  12. Good Day Everyone! Tanong ko lang po, If mag withdraw ako ngayon October 29, 2015 sa checking account ko tapos magbelow maintaining balance, kailan ma-apply yung service charge na 300? Sa next month pa ba or pagka october 30 or 31 na? Thanks po.

    ReplyDelete
    Replies
    1. If you were able to maintain your account in September, you won't be charged yet this October. Why? Because the 300-fee is charged only after you fall below the required balance for 2 consecutive months. The fee will be deducted on the last day of the 2nd consecutive month.
      This means that you should maintain your account this November, so that you won't get the 300-fee.

      Delete
    2. I meant "so that you won't be charged with the 300-peso penalty"

      Delete
  13. Good day everyone! Ask ko lang po..magkano ang average daily balance if my deposits ako na ganito on these dates: Sept. 28 5,000, oct. 20: 48,000 and october 30: 49,000? Thanks po

    ReplyDelete
    Replies
    1. Did you mean deposits? or balance on that day? I just considered the amounts you wrote as BALANCE on that day.
      October 1 to 19: 5,000 x 19 = 95,000
      October 20 to 29: 48,000 x 10 = 480,000
      October 30 to 31: 49,000 x 1 = 49,000
      Total = 624,000
      Average daily balance = 624,000 / 31 days = 20,129
      ADB = 20, 129 pesos
      If you meant Deposits, then the ADB would be much higher.

      Delete
    2. hi po miss nora, ask ko lang po di po kase ako nakakapag hulog sa passbook ko ng almost 2months? pero ung maintaining balance ko po andun parin,ung 18k ko po ba may interest po ba un? thank you and godbless po

      Delete
  14. Hello! May I ask lang po, I have 3,700 on my BPI acc then I withdrew 700 from my BPI account that needs a Php 3000 maintaning balance yesterday, Oct. 31. Then when I checked my balance, it went down to Php 2989. Today is Nov. 1 already and I'll be able to deposit money pa on Nov. 2. Will I incur the 300 penalty napo agad ng Monday? Thanks and God Bless!

    ReplyDelete
    Replies
    1. You were charged 11 pesos for withdrawing from a non-BPI atm. No, you won't be charged 300 pesos yet. Make sure that you have at least 3,200 in your account all days this month of November, if you deposit only on Nov 2. If there's a cash deposit machine in your area, you can deposit anytime, even during holidays.

      Delete
    2. Hi! I read your entry regarding BPI Easy Saver. I'm planning to open that kind of account nalang po and cancel my normal BPI account that needs a 3k balance per month. Will that be possible? In my normal BPI acc po kasi I have 3000 now. Then on Monday, I'm planning to chnage my account nalang po to Easy Saver. Thanks!

      Delete
  15. Hi....i just opened a checking account in eastwest bank last oct 15 with maintaining bal of 2k, im planning to withdraw 1k today and this will be below my maintaining bal but im planning of returning the money on friday nov 6....will i be penalizd and how much do i need to deposit on nov 6?

    ReplyDelete
  16. About below-maintaining-balance penalty:
    You will not be penalized yet. After withdrawal, your daily balance from Nov 4 and 5 is 1k. You should deposit 1,100 on Nov 6 and do not withdraw, so your daily balance from Nov 6 to 30 will be 2,100.

    ReplyDelete
  17. Hi! Good day, ask ko lang po sana kung magcharge po ng 300. Nagwithdraw po ako nung Oct 20 ng 1k (2,200 yung laman before) magcharge po ba ng 300 yun kung makakapagdeposit po ako before nov 20? Thank you! :)

    ReplyDelete
  18. About below-maintaining-balance penalty, Yana November 11, 2015
    Hi! Good day, will i be charged 300? I withdrew 1k on Oct 20 (2,200 was the previous balance). Will I be charged 300 if I'll deposit before nov 20? Thank you! :)
    ANSWER:
    What is your maintaining balance? Is it 2,000 pesos? If it's 2,000, you'll be charged the 300-peso penalty on November 30 because you failed to maintain your account for October and November (2 consecutive months). Your account should have 2k or more everyday starting Dec 1 so you won't be charged 300 pesos again.

    ReplyDelete
  19. Good day po. Im so blessed to see this blog. I nusy want to ask about my bdo ofw saving account. Hndi ko po naintindihan na need may lama un account ko. Bale 100 lng po deposit ko dun. Now po bale 1year and 8months wla ako update ever since ginawa ko un bdo ofw saving account ko. Tanong ko po automatic magclosed po ba yun? Sabi kase ng company ko dito sa abroad send nila last salary ko at other benifits dun. Ano po mangyari kung deactivate na un account ko. Hndi po ba papasok dun un isesend na pera g company ko abroad? Salamat po. Sana po masagot po agas tanong ko para maayos ko po un salary ko habang dito pa ako abroad.

    ReplyDelete
  20. lexreyes, about BDO Kabayan account closure November 12, 2015
    Good day po. Im so blessed to see this blog. I want to ask about my bdo ofw saving account. I didn't understand that my account needs to have a balance. I deposited only 100. Now po, after 1 year and 8 months, I had no update ever since I opened my bdo ofw saving account. Does my account automatically close? My company here abroad told me they'll send my last salary and other benefits there. What happens if my account is already deactivated. Will the money to be sent by my company abroad get deposited into my account? Thanks. I hope you can reply so that I can fix my salary while I'm abroad.
    ANSWER:
    Hi lexreyes, I think your Kabayan is already closed. I think it automatically closed on the 14th month it did not receive any remittance.
    If an account is already closed, any remittance that is sent to it is not deposited. And you cannot claim it over the counter.
    Ask your company to send the money to you for cash pickup at BDO, not deposit. They should remit through a BDO remittance partner there. Your name on the remittance should be exactly the same as your name on your valid ID or passport. Your company should also send you the reference no. and remittance amount because you will present that reference no. and remittance amount when you go to BDO and claim your money over the counter.
    I'm puzzled why your company doesn't give you your last salary and benefits before you fly out of there? Is that their practice with the others who have left?
    Thank you very much for appreciating my blog.

    ReplyDelete
  21. Hi po Ms. Nora itatanong ko lang po kasi first time ko mag open ng acct noong first week ng september 2015 sa BDO, my maintaining bal is 2k, deposited 12k from my backpay check tapos po wala pa pong end ng month ng sept. na withdraw ko po lahat 15.00 na lang po ang natira at never pa ko ngdeposit uli up to now.. Will there be any charges if magdeposit ako? How much ang machacharge, if any. And how much din po ang dapat kong ideposit to maintain my 2k bal kung sakaling magdeposit po ako this december,hopefully. Salamat po in advance.

    ReplyDelete
  22. Does this 300 Php penalty apply to all banks? Thanks

    ReplyDelete
  23. Hi marknilo, yes, all banks impose this penalty on all their accounts that require a maintaining balance. Many of them charge 300 pesos, some 200 to 250 pesos, and a few others 500 pesos.

    ReplyDelete
  24. Issa, about BDO atm savings account with 2k maintaining balance requirement November 14, 2015
    Hi po Ms. Nora. It's my first time to open an account, first week of september 2015 at BDO. My maintaining balance is 2k, deposited 12k from my backpay check then before the end of the month of sept. I withdrew all, leaving only 15.00 as balance and I never again deposited up to now. Will there be any charges if I deposit again? How much is the charge if any? And how much should I deposit to maintain my 2k balance if I decide to deposit this december, hopefully. thanks po in advance.
    ANSWER:
    You might have maintained your required balance in September, so your account might still be active. Try making a balance inquiry at a BDO atm, and if your balance is still 15 or if you have a balance, that means your account is still active. If still active and you don't deposit enough in November, your account will close on Nov 30. Why? Because you will be charged 300 pesos for not maintaining your account in Oct and Nov (2 consecutive months) and the balance will be negative (15 pesos minus 300 = -285).
    You said "this December, hopefully", so it might be better if you open a non-maintaining-balance account. Try the BPI Easy Saver account at BPI or BPI Family. This does not require a maintaining balance, but you will pay 5 pesos for every atm withdrawal and every atm balance inquiry -- but this is better than paying 300 pesos for below-maintaining-balance penalty and better than automatic account closure.

    ReplyDelete
  25. Hello po I have BPI savings account yung 3,000 maintaining balance plan ko kasi mag withdraw ng 2500 so magiging 500 na lang po ang matitira sa account ko pag mababalik ko po ba yung 2500 before December 30 to make it 3000 again safe na po ba ako na hindi ako mapepenalty?

    ReplyDelete
  26. About BPI's maintaining balance November 28, 2015
    Hello po I have BPI savings account with 3,000 maintaining balance. I plan to withdraw 2500 so my balance will be only 500. If I deposit back 2500 before December 30 to make it 3000 again, will I be safe from penalty?
    ANSWER:
    You will be penalized with 300 pesos on Dec 29. Why? Because you will fall below the required balance for 2 consecutive months (Nov and Dec). What you can do is to withdraw in December, not November, so that you'll fall below the required balance only in December (only for 1 month). And be sure to maintain 3000 or more in January 2016.

    ReplyDelete
  27. About BPI passbook account opened in 2013 by person now in the US November 29, 2015
    Hi po mrs nora. I opened a passbook account at bpi in 2013, but I deposited only 10000 at opening. I plan to deposit again this 2015 or 2016. I'm here in the us. What will happen to my passbook account?
    ANSWER:
    It's good you deposited 10k when you opened your passbook account because that's the required maintaining balance. In what month in 2013 did you open your account? Have 2 years passed? Because if 2 years have passed, then your account has become dormant. Any account without withdrawal or deposit within 2 years becomes dormant. When dormant, the account is put on hold (cannot accept deposits or grant withdrawals) until the owner appears in person at the branch with valid IDs.
    If your account has turned dormant, and since you are in the U.S., you should call BPI and ask how you can reactivate your account while in the U.S.
    AT&T 1-800-225-1202 or 800-2748-9100
    SPRINT 1-866-69-89100 or 800-2748-9100
    VERIZON 800-2748-9100

    ReplyDelete
  28. Hello po. Maam paano po kung napadalhan ng pera ang close na na bank account ng bdo? Mababalik pa ba yung pera maam?

    ReplyDelete
  29. About remittance to a closed BDO account Dec 3, 2015
    Hello po. What happens if we have sent money to a closed BDO account? Will we get back the money?
    ANSWER:
    Yes. If you are the sender, you should go back to the remittance company where you remitted the money and request to make an amendment or change in your recipient information. You can send the money to your family for cash pickup over the counter at BDO (this is the faster option). Or if you don't want to send the money to anyone, ask the remittance company if you can have the remittance returned to you through them (both BDO and remittance company might charge fees).

    ReplyDelete
  30. Pnu po pag ng withdraw ko knina tpos ang ntira sa account ko sa bdo 58 n lng pero mg redeposit aq sa Friday OK lng po b yun?

    ReplyDelete
  31. I have savings account sa BPI. Kahit above maintaining balance ang savings account ko nababawasin pa rin. I discourage you guys to open a savings account at BPI.

    ReplyDelete
    Replies
    1. About below-maintaining-balance penalties:
      You should call 89-100 or visit your BPI branch to ask why you're getting deductions and ask them to refund your money.

      Delete
  32. About 58 pesos balance in BDO account December 6, 2015
    I made a withdrawal from my BDO account leaving only 58. But I'll redeposit on Friday. Is that OK?
    ANSWER:
    It all depends on the amounts. The monthly average daily balance formula is sum total of all daily balances from the 1st day to the last day of the month, and then divided by no. of days of the month.
    But if December is the first month that you will not maintain your account, you will not be penalized yet.

    ReplyDelete
  33. Good day. What should be done to a lost atm card with a closed bank account? Should it have to be reported? Second question, my atm has no transactions since june because that account is just for salary direct deposits where I used to work. Is that account still active? If so, For how long?Thanks! Your blog really helps!

    ReplyDelete
  34. Hi. I open an account to BDO last June I think may remainig balance sya na 2k but my brother decide to withdraw it all last July and now I am planning to activate it nxt year. Tingin niyo po ba may babayaran pa akong deduction if ipapaopen account ko ulit un? I cant use naman po ung Bpi account ko kasi ibang case yun. I just want to active my BDO kasi pero im worrying kung mas malaki pa babayaran kong penalty sa maintaining balance, thanks po

    ReplyDelete
  35. Hi mam may concern lang po ako about sa savings account ko sa bpi, di ko napo kasi namemeet ung maintaining balance ko sa savings account ko kc di nako nagdedeposit sa account na yun.. ask ko lang po if halimbawa ipaclose ko na sya sa bpi magpepenalty pa po ba ako sa mga months na di ko nameet ung maintaining balance?

    ReplyDelete
  36. Hello Ms. Nora. I just wanna say thank you for making this very informative blog. You helped a lot of people by sharing this information. I had lots of questions in my mind before reading this blog and your conversation with other people, and now my questions are all answered.Thank You

    ReplyDelete
    Replies
    1. Hi Bella, thank you very much for your wonderful words! I'm so happy reading your notes. Thanks again and have another great day!

      Delete
  37. Hi, this blog is, indeed, very helpful to every person having their bank-related concerns. It made me aware with lot of things I should avoid doing in order to maintain an active bank status.

    My query is, "What do you think is the best investment that would fit for an employee like me who earns P10,000 to P13,000 monthly?"

    Hoping for your informative response!

    ReplyDelete
  38. Hi, this blog is, indeed, very helpful to every person having their bank-related concerns. It made me aware with lot of things I should avoid doing in order to maintain an active bank status.

    My query is, "What do you think is the best investment that would fit for an employee like me who earns P10,000 to P13,000 monthly?"

    Hoping for your informative response!

    ReplyDelete
  39. Hi can i ask how to avail 2k monthly average deposit .. everymonth nghhulog ako ng 5k before end of the month.. di ko po kasi maintndhan ung daily average to compute MADB

    ReplyDelete
    Replies
    1. How to compute MADB:
      The simplest way to maintain your 2k maintaining balance is to make sure there's always 2k or more in your account everyday -- from the 1st day of the month to the last day of the month.
      Even if you deposit 5k at the end of every month, but withdraw it the next day every time, you won't be able to maintain your account.

      How to compute MADB?
      Add your daily balance from the 1st day of the month to the last day of the month.
      Balance on 1st day + balance on 2nd day + balance on 3rd day + balance on 4th day + balance on 5th day + balance on 6th day.............+ balance on last day of the month.

      Daily balance means your last balance for the day or your balance before midnight.
      After adding your balance for 30 days or 31 days, divide by 30 or by 31. Of course, if it's for the month of February, divide by 28 or 29.
      After dividing, the result will be your MADB.
      If you're still confused, email me a copy of all your deposits and withdrawals for the month of January and I will show how to compute MADB: workingpinoy.com@gmail.com

      Delete
  40. If I have 10k maintaing balance and I was in dire need of money right now. If i withdraw 5k today Feb 5,2016. Do I get the 500 deduction if I will depoThanks only on March 30 2016? Thanks

    ReplyDelete
    Replies
    1. About below-maintaining-balance penalty:
      Does your bank charge 500 pesos for not maintaining your balance? Many other banks charge 300 pesos.
      Yes, you will be charged 500 pesos on March 31, 2016. Why? Because you did not maintain your required balance for Feb and for March -- 2 straight months. Maintain 10k or more everyday beginning April 1 so that you won't be charged another 500 on April 30.

      Delete
  41. Hello I have an ATM card then balance 3,500 pesos. What happen to my account if I withdraw 3000?? Is it close? The retailer said I must have an require 3000 pesos..

    ReplyDelete
    Replies
    1. Hi mylove, what's your bank account? Is it a regular BPI atm savings account? If yes, your maintaining balance is 3k. Is it a regular BDO atm savings account? Your maintaining balance is 2k. If you withdraw 3k, and you're not able to put it back this week, make sure that in March, you have 3k (BPI) or 2k (BDO) or more in your account from March 1 to March 31. The penalty is charged if you fail to maintain for 2 straight months.

      Delete
    2. If you leave a balance of 500, it will not be closed yet. If yo u leave a ZERO balance, it will automatically close.

      Delete
  42. mam tanong ko lng po . kung ok lang po ba withdrawhin ung 2k na remaining balance ko .. balak ko sana iwithdraw ung 1k ngaun .. pero mg dedeposit nmn ako ng 5k kinabukasan .. mgclose ba un ??

    ReplyDelete
  43. From Unknown, about withdrawing remaining balance February 12, 2016
    Is it ok to withdraw my 2k remaining balance? I plan to withdraw 1k today, but I will deposit 5k tomorrow. will it close?
    ANSWER:
    Leave some money in your account, not zero. If there's some balance, your account will not close. If you deposit tomorrow, your account will still maintain its balance, as long as your account's maintaining-balance requirement is 2k.

    ReplyDelete
  44. Hi. I am a student. I want to deposit my money to any banks. Now,I can't decide were can I deposit it. If ever that I will deposit my money worth 5,000 pesos to BDO savings account and I will not withdraw it until I will not deposit money for 2 months is there any penalty or deduction from my savings? I need your answer. thank you so much. :)

    ReplyDelete
    Replies
    1. Best Account for a Student
      You can choose from these 3 accounts:
      1. The BDO ATM savings account requires a maintaining balance of 2,000 pesos.
      2. The BPI Family ATM savings account requires a maintaining balance of 1,000 pesos.
      3. The BPI Easy Saver ATM account requires no maintaining balance, but you are charged 5 pesos for every ATM withdrawal or balance inquiry.
      Your question about penalty:
      There's no penalty if you don't deposit in 2 months or several months, because your account balance (5,000) is bigger than your maintaining balance requirement (2,000 or 1,000).
      There are 2 penalties that you pay attention to:
      Maintaining balance penalty and dormancy penalty. Dormancy occurs when you don't withdraw or deposit within a period of 24 months.

      Delete
    2. Hi Luisa: I'm glad you plan to save in a savings account. That's a good sign of someone who will be successful financially. Keep saving.

      Delete
  45. Good evening, can I ask you a question about minimum balance from BPI Savings account (not from me cos I am not from the Philippines, but this is just an example because I have a cousin who is with BPI too). A few years ago, I just want to know is it true if you have 10K pesos as a balance, if you withdraw like say, 10K pesos (depends on how much balance my cousin used to have back in 2012/2013), she said if she withdraw below than 10K or 10K pesos, will they close her BPI account? She said to me if you withraw 10K, they will close her account. But I am not sure how much balance you're allowed to have it? She said she's only allowed up to 10k pesos. I am still confusing...

    It's a long story because I don't believe what my cousin said. That's why I had no idea on BPI or what their rules are.

    Like what you said the balance that you allowed is 1K pesos, right? Then, why would my cousin say the BPI will close her account if she withdraw 10K pesos. It's true that she's got my money from 3 years ago that I lend her borrowed. I really don't like the way she said it.

    ReplyDelete
    Replies
    1. Hi 1wayjesus777:
      There are several types of BPI and BPI Family accounts and they have different maintaining balance requirements. If your cousin said her maintaining balance was 10k, then her account must be a passbook account. If it's 1k, it must be an atm-only savings account at BPI Family. If it's 3k, it must be a BPI atm-only savings account.
      About automatic closure of an account: An account is automatically closed if it's balance becomes zero (0.00) or negative (example: low balance minus penalty). If your cousin's balance is exactly 10k, and she withdraws 10k, then her account is automatically closed because the balance becomes zero. However, BPI allows the account owner to reactivate her account. She goes to her branch and reactivate. She pays penalties if she waits for a long time to reactivate.
      In simpler terms, if the maintaining balance requirement is 10k, you must have 10k or more everyday in your account. If there's a day or days that the balance is less than 10k, make sure that in the other days, the balance is more than 10k so that when the average daily balance (ADB) for the month is computed, the resulting ADB is still 10k or more.

      Delete
    2. Thanks! I understand now. You are so right. Actually, I think she has the bank card for savings. I didn't see her having a passbook when I last went home for holidays.

      Delete
  46. If have my bdo checking account with maintaining balance of 5k. My current balance as of today is 8k. What will happen if I withdraw 5k and fall below my maintaining balance? When should I deposit 3k to avoid penalty. Thanks.

    ReplyDelete
  47. About 5k maintaining balance:
    Was your 8k balance since Feb 1? If yes, or if you were able to maintain your balance in February, then even if you fail to maintain your balance this March, as long as you maintain your balance in April, then you will not fall below the required balance for 2 consecutive months, and you won't be charged. The penalty is charged if you fall below the required for two consecutive months.
    But what is your bank? There are savings banks that have a different definition of maintaining balance. For these certain banks, they want 5k to be on the account every day of the month. For many other banks, the maintaining balance is minimum Average Daily Balance, which should be the correct one.

    ReplyDelete
  48. Denise Resurreccion March 25, 2016
    Hi po what about if the balance becomes negative since there's a deduction po for easy saver per transaction; will the account close?
    ANSWER:
    I think the atm will not allow you to withdraw if you withdraw all without providing for the 5-peso fee. It will say "Insufficient funds."

    ReplyDelete
  49. hello po Mam Nora,

    thanks for sharing the info. very helpful po ito compared sa website ng bdo- di man lang na explain ang fees etc.

    question po: may BDO peso passbook savings accnt po ako. 10k maintaining balance. last april 2, 2016 at naging 7k na lang po sya, this april 8 po ako magdedeposit mga 3500. may 300 fee parin po ba yung account during those days na below 10k ang account balance?

    thanks po sa help

    ReplyDelete
  50. ELA, about below-maintaining-balance penalty
    hello po Mrs Nora, thanks for sharing the info. very helpful compared with BDO website. fees are not explained, etc. question po: I have BDO peso passbook savings account. 10k maintaining balance. last april 2, 2016, the balance became 7k. this april 8 po I'll deposit around 3500. will my account be charged 300 fee for those days it was below 10k ang account balance? thanks po for the help
    ANSWER:
    If you maintained 10k for the whole month of March, you'll not be charged this April. I made a post to answer your question: BDO below-maintaining-balance penalty

    ReplyDelete
  51. Hi There, Seeking your help here guys. Balak ko kasi mag deposit sa BPI family savings account. Yong kanilang EASY SAVERS then nakalagay sa kanilang Required Minimum Monthly ADB ay "N/A". What does it mean?. But, meron din silang tinatawag na "Required Daily Balance(2) to Earn Interest" nakalagay naman ay "Php 1,000". what does this mean also. Thank you in advance.

    ReplyDelete
  52. About BPI Family Easy Saver account April 25, 2016
    Hi There, Seeking your help here guys. I plan to deposit to a BPI family savings account. Their EASY SAVER. It says Required Minimum Monthly ADB is "N/A". What does it mean?. But there's also "Required Daily Balance(2) to Earn Interest" is "Php 1,000". what does this mean also? Thank you in advance.
    ANSWER:
    Easy Saver does not require you to maintain an amount in your account. But if you like to earn interest, maintain at least 1,000 pesos in your account. In exchange for no maintaining balance, you pay 5 pesos for every atm withdrawal and every atm balance inquiry. This is better than having to pay 300 pesos every month if you're not able to maintain your account.

    ReplyDelete
  53. Good morning ma'am Nora, ask ko lng po bkit ung 20k na deposit ko sa rural bank nung jan.20,2016 nbwsan ng 5k this april 25 lng ulit ako mgdeposit ng 10k. So instead na 30k balance sna nging 25k lng. Pls help ma'am coz I segregate the money for giving birth on oct eh nbwasan nman.

    ReplyDelete
  54. 5k deduction from a rural bank account April 29, 2016
    Good morning mrs Nora, why was my 20k deposit in a rural bank on jan. 20, 2016 had a deduction of 5k. This april 25, I deposited 10k. So instead of a 30k balance, it has only 25k. Pls help cause I segregate the money for giving birth on oct and it was reduced.
    ANSWER:
    I wish you asked your bank immediately when you made the deposit. Do you have an atm card? Are you sure no one used your atm card to withdraw? Or your passbook to withdraw? Go asap to your bank and ask why there was a 5k deduction. I hope you can comment again here to write what the 5k deduction was about.

    ReplyDelete
  55. Hi, can i ask if i can still use my metrobank atm card after 1 year not using and no maintaining balance?

    ReplyDelete
    Replies
    1. I think your account is already closed. Usually once an account gets to zero or negative, it's automatically closed. Try making a balance inquiry at a Metrobank machine and see the response.

      Delete
  56. Hi ma'am,pnuntahan ko po ung bank at slmat nman at ngkmali lng sila ma'am dun sa pgdeduct ng 5k, my nksbay dw kc ako ngwidraw e ung account number ko dw npindot nila, so un dinagdag ulit ung 5k.Sabi ng teller buti daw my pera pa sa account ung tao kya sa knya nila ideduct..thanks 4 d advice ma'am Nora,mrmi kaung ntutulungan.

    ReplyDelete
  57. Good eve po mam nora kapag nagchecheck po ako ng balance sa metrobank ang lagi pong sinasabi e Your requested amount is greater than your balance. ang atm card ko po e eastwest po. may posibilidad po ba na closed na yung account ko? kasi po may hinihintay po akong pera dun galing philam life e

    ReplyDelete
  58. 5k rural bank account deduction May 2, 2016
    Hi po, I went back to the bank and I'm thankful they admitted they made a mistake in deducting the 5k. I was told there was another one who also withdrew the same time as me, and they entered mistakenly my account number. So they credited back the 5k. The teller said it was good the account of the other person still had balance so they were able to deduct the amount. thanks 4 the advice mrs Nora, you're helping a lot.
    Answer:
    Thanks a lot for coming back to tell us what happened. I'm glad that they've credited back the 5k, and at the same time I'm so sad that they committed that mistake. What would have happened if you were not checking your balance? Banks should not commit that mistake. It's sad that some tellers are not giving full attention to their work, knowing that they're handling other people's money.
    But that also happened to my friend's account in a big bank, but it's the other way around. About 100k plus was added to her account. The next day, the 100k plus was gone. It meant that the money was deposited to her account by mistake, and it was discovered the next day. The lesson here is we should constantly check our accounts.

    ReplyDelete
  59. Ryan Tugas, Eastwest atm account May 3, 2016
    Good eve po mrs nora. Whenever I check my balance at metrobank, the response is always Your requested amount is greater than your balance. Other times the response is Insufficient funds. My atm card is Eastwest. Is it possible that my account is already closed? I'm waiting for money coming from philam life.
    ANSWER:
    Hi Ryan, I think your account is still active because you're still getting a response. Usually the response if an account is closed is Inactive account or Invalid account or Account does not exist. Maybe your balance is not enough to pay the other bank's atm fee. Try making a balance inquiry at an Eastwest machine.

    ReplyDelete
  60. BDO atm savings account with balance of only 265
    Hi good day. Would like to ask po if on April 27, my bdo atm savings account balance is only 265 pesos. Will it close? Or 300 pesos penalty will be deducted and will close? I plan to deposit money by May 5. Above 10K po.
    ANSWER:
    Did you maintain 2k or more in your account all the days of March? If you maintained 2k or more in March, you won't have a deduction for April even if you fell below the balance in April. But the last day of April has passed, so it means you can now make a balance inquiry to see if your account is already closed, or if your account is still active and the 265 is still there.

    ReplyDelete
  61. Good day po...ask ko lng po...kng na withdraw ang 2k maitain balance sa atm..will it close automaticaly or meron po allonce days bago sya ma close! Last may 5 ko sya na withdraw this month...ngaun po balak ko mg deposit uli sa atm ko, pwidi po ba yon?

    ReplyDelete
  62. Withdrawal of maintaining balance May 16, 2016
    Good day po. If I withdraw my 2k maintaining balance from the atm, will it close automaticaly or is there an allowance before it's closed? Last may 5, I made the withdrawal. Now I'd like to deposit again, can I deposit again?
    ANSWER:
    Is there some money (cents or few pesos) left in your atm account? If there's some money, your account is not yet closed. You can deposit. But if the balance is 0.00 or negative, it has automatically closed. You can check by making a balance inquiry at your bank's atm. If your account is BPI, you can reactivate your account by depositing at your bank branch. But you must maintain your account in June because if not, you'll be penalized with a deduction of 300 pesos. Remember the rule regarding 2 consecutive months of falling below the required balance.
    With other banks, they don't allow reactivation.


    ReplyDelete
  63. I have a question about Metrobank atm?
    I check my metrobank atm account balance online and my balance is negative P600 which is 2 months service charge-below balance requirements.
    Last deduction was April 29, 2016.
    The minimum requiremwnt was P2,000
    Will it close automatically?

    ReplyDelete
    Replies
    1. Hi FlyHigh, based on comments on our blogs, Metrobank does not automatically close accounts when the balance becomes zero or negative. They're hoping the account owner would deposit money again. But obviously, most account owners would no longer want to deposit money just to be eaten by bank fees. It would be better to open an account in another bank. Eventually, Metrobank will close your account, as it will do them no good to keep on maintaining your account.
      If you don't have another Metrobank account, close your online banking account -- that's another sign you don't intend to keep your account. If you're bothered about your account, you can go to your branch and tell them to close your account. Never pay anything. But if you don't have time, there's no law that says you have to formally close your bank account.
      Banks though have a rule which says there's a penalty, usually 300 pesos, if you close your account within one month after opening. I'm assuming you've kept your account for more than a month.

      Delete
  64. Hi maam nora! My mom gave me money to buy an iphone as a graduation gift pero naisip ko after ilang years mawawalan sya ng value and now i am planning open a BDO passbook and deposit some of the money my mom gave me kung mag dedeposit ako ng 10 k as an initial deposit and another 5k next month since wala pa akong job balak ko sana sa september na ako maghuhulog ulit magkakaruon bako ng deduction? Thanks mam!

    ReplyDelete
  65. About saving graduation gift in a BDO passbook account May 22, 2016
    Hi mrs nora! My mom gave me money to buy an iphone as a graduation gift but I thought after a few years, it will lose value and now i am planning to open a BDO passbook and deposit some of the money my mom gave me. If I deposit 10k as an initial deposit and another 5k next month, and since I have no job yet, I plan to deposit again in September. Will I have a deduction then? Thanks po!
    ANSWER:
    I'm so glad you're so mature. Others will be rushing to buy an iphone. And you're right, phones depreciate fast, as new versions are being released after just a short time. Yes, if you have valid IDs (your school ID is valid if it has not expired), you can open a BDO passbook account. Its maintaining balance requirement is 10k. About your question regarding deduction: No, you'll get no deduction because 15k is higher than the 10k maintaining balance requirement. You're not required to deposit every month, as long as your balance is above the 10k requirement, and as long as you do not let 24 months pass without any deposit or withdrawal.

    As you're still looking for a job, I suggest you open an atm savings account. Its maintaining balance requirement is only 2k. This is not doubting your ability to save, but this is just to be sure that you'll be able to maintain your account for a long time. But if you're very sure you can maintain a 10k account, go, apply for a passbook account. I hope you find a good job soon, and continue to save a lot.

    ReplyDelete
  66. Hi ms. Nora

    I just want to ask po, kasi my bpi acct. po ako na my maintaining balance na 3,000 but iwinidraw ko yung maintaining balance po almost 6months na po.. My posibility po ba na close na yung account? Kasi nag deposit po ngayong araw ung husband ko thru remittance. Or mag dededuct sila nang penalty para sa 6months na yun?? Thanks po...

    ReplyDelete
    Replies
    1. Hi Dio Mondejar, I wished you told your husband your account status. Yes, I think your account is already closed. But BPI allows reopening. Try making a balance inquiry at a BPI atm. If it says your account is inactive or closed, visit your branch and ask if you're going to pay penalties if you reactivate your account. Ask how much. You might be asked to pay below-balance penalties for 5 months (that's about 1,500 pesos). Ask them what happens to the remittance if you will not reactivate your account because of the penalties. You will ask this so that you can ask your husband to amend his remittance from deposit to cash pickup at BPI.
      You can open a BPI Easy Saver account. It does not require a maintaining balance, but you pay 5 pesos for every atm withdrawal and every balance inquiry.

      Delete
  67. Hi I opened an account for jumpstart sa bpi last March and dahil sa dumating na summer hindi na ako nakapagdeposit ever since na buksan ko yung saving acc ko possible po bang nakaclose na yung account ko ngayon? hindi naman po kasi kami na nainforn na may maintaining balance po pala nung nag apply kami para sa jumpstart. Ngayong pasukan palang po ako balak magsimulang mag deposit.

    ReplyDelete
    Replies
    1. Hi Karyhow much was your balance? If less than 300, your account might have been closed already, as the penalty for falling below the required balance is 300. Try making a balance inquiry at a BPI ATM to see if your account is still active. If it's active and you deposit again, you must deposit at least 1,500 and maintain it, so that you won't be charged again at the end of this month. The maintaining balance for JumpStart opened at BPI is 1,000. It's 500 if opened at BPI Family

      Delete
  68. nice...thank you

    ReplyDelete
  69. Hi Maam Nora

    Your blog really enlightened me but i'm 1% confused.

    If ever i meet my MADB for this month though my remaining balance for the end of this month is P1,500. Will i get charge for the penalty po ba because my balance is below 2k though i exceeded the MABD? Thanks po!

    ReplyDelete
    Replies
    1. Hi Chris, first the penalty is charged if you fall below your required MADB for 2 consecutive months. So if your MADB last May was 2k or higher, then you won't yet be penalized this June whether you fall below your MADB or not. Why? Because June will be your first month to fall below MADB.
      Now, about your question of having only 1,500 at the end of the month, but you maintained your MADB for the month: No, there's no penalty because you maintained your MADB even if your month's end balance is only 1,500. This means you had higher amounts (much more than 2k) during the other days of the month, so when your MADB is computed, the MADB is still higher than 2k.

      Delete
  70. Can I ask a question? I have a UCPB atm account. The maintaining balance is 2k. I always deposit every month for the car loan that matures every 11th of the month. If in case that I withdrew 500 5days before the end of the month. And deposited on 2nd day of the following month. Will i be penalized with 300?

    ReplyDelete
  71. Hi Syetepie, how much do you deposit every month for the car loan? And how many days does it stay in your account? Do you deposit that amount on a certain day and then the next day it's debited for the car loan? So it stays in your account for only one night? And most days your balance is only 2k?

    ReplyDelete
    Replies
    1. I usually deposit the amount every 30th of the month then it is debited every 11th of the month. It is always in maintaining balance of 2k. I transfer money to other banks because I am afraid of double debit. What if tomorrow i withdrew 500 which will make it below 2k. Will i be penalized? Even if i replenish it by end of month?

      Delete


  72. Hi Syetepie, since you did not write the amount deposited for your loan, I can't compute, but you can compute. Add all your end-of-day balances for each day of the month. If your total for the whole month is 60k (for 30-day months) or 62k (for 31-day months) or more for the month, then you have maintained your account for that month. The 300-peso penalty is charged only after you fall below the 2k average daily balance for 2 consecutive months. This is charged from month to month until you restore your account to maintaining-balance level.
    So if you fall below the balance for a certain month, make sure you maintain the required balance for the following month.

    ReplyDelete
  73. Ahhh ok. I can withdraw the 500 and should replenish it soon before the end of month to avoid penalty

    ReplyDelete
  74. hi mam.. nag open ako ng account last month sa security bank 5,000 yung maintaining balance ko pero nawindraw ko kahapon yung 4,900.. baka sa katapusan ko pa ng july mabalik, kelangan ko na ba magbayad ng penalty sa july pag deposit ko? 100 nlng kase balance ko so balak ko magadd nlng ng para sa penalty kapag nagdeposit na ko sa july

    ReplyDelete
  75. Hi maam, ngapply aq ng Bpi express teller saving accounts nung ngwowork pa po aq initial deposit nya 5h and may mMADB na 3k po from 2013 po until now no transactions po..pnu po kya un kung ipapareactivate acct?

    ReplyDelete
    Replies
    1. BPI atm account opened in 2013 with initial deposit of 500 and no additional deposit ever since 2013:
      I suggest you no longer reactivate this account, as it was most likely closed about 3 months after opening, as you did not maintain it. It's not practical reactivating it as you will be required to pay huge penalties. It's better that you open a new account. Try this BPI Easy Saver account.

      Delete
  76. Security Bank account with 5k maintaining balance
    hi po. I opened an account last month at security bank, with 5,000 maintaining balance. But I withdrew yesterday 4,900. I might be able to return the money towards the end of july. Do I need to pay a penalty in july when I deposit? My balance is only 100 so I plan to add money for the penalty when I'll deposit in july.
    ANSWER:
    Do you mean you opened your account in May? This June, you have not maintained your account because you withdrew 4,900. Assuming you have maintained your account in May, you will not yet be penalized because it's only this June that you have not maintained your account. To be sure, make a balance inquiry at an SB atm in July 2 to confirm if your account is still active.
    If still active, and if you deposit again towards the end of July, you will be charged 300 pesos on July 31 because you have not maintained the required balance in June and in July.
    Make sure you maintain your 5k in your account every day of August.
    If you're still starting in your career, it might be better to close your account and
    open a BPI Easy Saver
    or an account with a 1k maintaining balance.

    ReplyDelete
    Replies
    1. yes i opened my account last may 13 this year, so may chance na maclose yung account eventhough may 100 pesos na balance?

      Delete
    2. I asked you to check your balance on July 2 because I don't know SB's policy about just-opened accounts - if they compute your MADB for the month of May. Because if they use the MADB formula for May, you'll fall below the MADB. You also fell below the MADB this June, which means you fell for 2 consecutive months. But if SB does not use the MADB formula for May because you've just opened your account on May 13, then you're safe this June. No penalty at end of day today, June 30 or early July 1. And because you said you'll deposit 4,900 towards the end of July, you again won't be able to maintain your MADB in July -- this means 2 consecutive months of falling below MADB. You'll be charged 300 at end of day on July 31.

      Delete
  77. BPI Express Teller account June 29, 2016
    Hi po I applied for a Bpi express teller saving accounts when I was still working. initial deposit was 500 and MADB of 3k po. from 2013 po until now no transactions po. What if I I reactivate my account?
    ANSWER:
    It's better that you do not reactivate your account. It's been closed for a long time, and it's not wise to pay a big amount of penalties just to reactivate.
    You can open a new account with BPI and then maintain it. BPI Family Bank's atm account has a lower MADB -- it's only 1k.
    Or you can click the BPI Easy Saver link above this comment to read about a no-maintaining-balance account.

    ReplyDelete
  78. Hello Ms Nora.

    I just happen to know about your site today, i find it really helpful and concise. My concern is, I have a BPI account and like the others, I was also being charged for P300.00 service fee for 4 consecutive months already. I had this reported to bpi and they told me na hindi ko daw na maintain ang P3000 ADB. I tried to follow yung instruction nila to keep a maintenance amount of 3k or more yet again, I got another service charge of P300.00. Also, I read from their email saying 'your account can be waived for incurring monthly service charge fees if you are receiving at least 1 remittance(s) per quarter'. In my case, I have been receiving remittances 2x every month for more than I year now. Tama po ba ang intindi ko na - kung meron kang remittances na natatanggap hindi ka dapat magkaroon ng mga service charge monthly kahit hindi ka nakapag-maintain ng ADB mo? I hope you can enlighten me on this matter. Looking forward to hearing your reply. Thank you po, in advance. :)

    ReplyDelete
    Replies
    1. 300-peso Below-Maintaining-Balance Penalty:
      If your maintaining-balance requirement is 3,000, then your account is not the BPInoy account which can be maintained by a foreign remittance of at least once every quarter.
      You should maintain 3,000 pesos or more in your account every day of the month. If not everyday, maintain a much higher amount in several days of the month so that when average daily balance (ADB) is computed, your ADB will result to 3k or more.
      I suggest you open another account with a lower maintaining balance or if you like the BPI Easy Saver account. This is zero maintenance, but in exchange, you are charged 5 pesos for every atm withdrawal and every atm balance inquiry -- it's better than being charged 300 pesos.
      There's also the BPI Family Savings atm account which requires only 1,000 for maintenance.
      After your new BPI account has become active, inform your sender you have a new account, and after he has replied, close this 3k-maintenance account, and say goodbye to penalties.

      Delete
    2. Thank you for your suggestion Ms. Tamba, that was truly helpful.. :) I just wonder why my account has changed that way, kahit ako po nagtataka since this was just a normal savings account. As you know, I have been asking tons of clarifications thru their email account, but each time BPI would reply - they would write me a lot of technical terms which in most cases difficult to comprehend, if not, mostly vague answers parati.. Anyway, I'm glad I read about this page.. Thank you once more. And I hope marami pa po kayong matulungan.. :)

      Delete
  79. Hi Ms. Nora, this is my question....About BPI Family Savings MADB:
    My MADB is 5,000
    I withdraw 2,000 last June 16, 2016
    If I will deposit back the 3,ooo on July 5, 2016. The balance will go back to 5,000. But, if the bank compute the MADB at the end of July 2016,the MADB will surely fall below 5,000. My question is, how much will I add to 5,000 so that the MADB at the end of July 2016 will be 5,000 or more?

    ReplyDelete
    Replies
    1. I will assume that you withdrew 3,000 because you said you will deposit back 3,000.
      I will assume also that you will deposit today, July 6.
      July has 31 days, so your total of daily balances for the month should be 155,000 (from 31 x 5,000).
      From July 1 to 5, your total of daily balances is 10,000 (from 2,000 x 5).
      So you need 145,000 more to have a 155,000 total.
      145,000/26 days = 5,577, rounded to 5,600
      Deposit at least 3,600 today to add to your 2,000 so that your balance for each day for the rest of July is 5,600. Do not withdraw until August.

      Delete
    2. Ok Thank you maam. Nagkamali ako ng type. 3,000 na withdraw ko. Ibabalik ko ang 3,000. Actually mam, alam ko na formula ng MADB computation, I learn it from your blog. Kaya ako napatanong kc iba sabi ng taga BPI. Dapat 5,000 daw deposit ko to make it 7,000 para secured daw na hindi ma service charge. Masyado naman yata malaki. I keep on arguing and explain everything about madb computation pero they insist na dapat 2,000 daw madagdag sa maintaining bal na 5,000.

      Delete
    3. Hi Norman, that's great. I'm so glad that you are computing. Natutuwa ako. Compute again, kasi iba na yong computation ko dahil you said you re-deposited 3,000 only. Kulang yon. Basta dapat at least 155,000 yong total ng daily balances from July 1 to July 31.
      About the tellers, busy kasi sila, so iisip na lang sila ng safe answer, so tataasan nila. Compute ka uli, to be sure.

      Delete
  80. Hi Ms. Nora, this is my question....About BPI Family Savings MADB:
    My MADB is 5,000
    I withdraw 2,000 last June 16, 2016
    If I will deposit back the 3,ooo on July 5, 2016. The balance will go back to 5,000. But, if the bank compute the MADB at the end of July 2016,the MADB will surely fall below 5,000. My question is, how much will I add to 5,000 so that the MADB at the end of July 2016 will be 5,000 or more?

    ReplyDelete
  81. Good day Ms. Nora! I have a powerteens savings account in BDO (2,000 minimum balance) and nung June 29, I converted it into a regular peso savings account (10,000 minimum balance). BDO has been deducting 300 pesos for 3months (March, April, May) already from my powerteens account since I wasn't able to maintain it. However, when I checked my account this July, they still deducted 300 in my newly converted account. I went to my branch to ask about this since I just converted my account and I expect na bago po ulit lahat, na hindi na counted yung previous balance ko for the MADB. I'm not satisfied with the answer of the branch officer. She said that the deduction is still connected from the previous month which I don't believe since I just converted my account. There was no advise from the teller who assisted me that my account was still below the maintaining balance when I converted it. If only I knew this, I would have just close the account and open a new one instead paying 300 pesos again for the service charge or nagawan ko pa po sana ng paraan para mameet ko yung MADB.

    ReplyDelete
    Replies
    1. BDO Maintaining balance penalty: Hi NA, I'm puzzled why you converted into an account with a bigger maintaining balance, from 2k to 10k, when you said you are not able to maintain the 2k-maintaining account. Sorry but you were not able to maintain your account, so they deducted the penalties. Ang hindi lang maganda ay alam na nila na you failed to maintain the 2k-maintaining account, why did they offer you the 10k-maintaining account?
      Anyway, just learn from the experience and see what you can do better.
      Do you need this BDO account for remittance from your parent or relative abroad? Are you allowed to open an account in another bank? Because you can open a zero-maintaining account in another bank. Read information about BPI Easy Saver account.
      After you have opened this, withdraw all your money from your BDO account and deposit to your new BPI account. Then tell your sender you have a new bank and new account no. Easy Saver is good for young people who are still starting handling their finances. It's better to pay 5 pesos for every atm withdrawal and every balance inquiry than paying 300 pesos every month for maintenance.

      Delete
    2. There's this letter po from BDO that says that the powerteens account will all be converted into a regular savings account which has a 2k minimum maintaing bal. for atm and 10k minimum for atm and passbook. I choose the latter because I can retain my account number and I needed a passbook. I've been with BDO for 5 years already and it's just this past few months that it went below because I am very busy in school that I can't even deposit my savings in my account. It's actually the first time that I experienced this deduction in 5 years. I'm disappointed with the teller for not advising me that there might be a deduction if I will still continue the account considering it will fall short on the required MADB of 10k if I got it converted. She was also shocked about it when I returned and asked her since she also believed that it just got converted so why the deduction. She asked the branch officer and the officer told me "Diba ikaw naman yung may gusto na i-retain yung account number. Tsaka below maintaining ka kasi last month, connected yung ngayon sa last month mo kasi for 2 consecutive months na below madb may deduction." Also, I just computed my MADB for the month of june and if the maintaining is 2k for the month of June, the MADB doesn't fall below that. But since I got it converted to 10k in the last week of the month, the madb will really fall short. If only the teller advised me about that sooner then I'd make a better decision. They can actually see po pala in their monitor if your account is below maintaining or not. Sa tingin ko po hindi natignan ng teller yun.

      Regarding po in opening an account in other bank, BPI is not a good choice for me. 5 pesos every withdrawal is a burden since there will be a lot of times in a year that I need to withdraw more than 10k in a single day which means EVERY transaction will be 5 pesos and I don't want the super long lines in the BPI branch near us.

      I'd still choose BDO. We just need to be a WISE saver AND we should ALWAYS monitor our MADB. This is a lesson that I just learned in my 5 years relationship with BDO.

      Thank you so much for your response Ms. Nora! ๐Ÿ˜

      Delete
    3. Hi NA: Thank you for commenting again. You're financially savvy, so I'm happy for you. It's great to know you're able to save from your allowances, and you're able to make wise decisions. Yes, it's also good to have a passbook so you can see your records of transactions. Keep being smart, keep saving and have a nice day!

      Delete
  82. Good Day Ms. Nora!

    This blog is very helpful. I now understand my MADB of 5,000.00 in ChinaBank.

    Question:

    What is the Minimum Balance to Earn Interest needed worth 10,000.00? Is that the amount I should have so I can get 0.25% per annum, subject to 20% withholding tax interest rate.

    Thanks.

    ReplyDelete
    Replies
    1. Hi Francis: yes, you'll earn interest only if you're able to maintain at least 10k in your account. If they're computing interest quarterly, you should be able to maintain at least 10k for 3 consecutive months to earn interest. Yes, the interest earned will be reduced by 20%.

      Delete
  83. Got it! Thank you Ms. Nora, Good bless you po.

    ReplyDelete
  84. Hi Mrs. Nora!

    As of January 2016 100 pesos ung natira sa balance ko sa Metrobank. Mula non d pa ako nkapagdeposit till now. Does that mean na 6 300s ung penalty sakin? And what should i do if i just want to close my account.

    ReplyDelete
    Replies
    1. Hi Ken (Metrobank account): If Jan 2016 was the first month your account was below maintaining balance, yes, you're right, you have been penalized 6 300s, and your account balance is most likely -1,700.
      What to do? Make a balance inquiry at a Metrobank atm. If you can see your account balance, or if it says "account on hold," it means your account is not yet closed. If it says "account closed" or "account not existing", then closed na ang account mo, and you don't have to do anything.

      If your account is not yet closed, you can either ignore it, or visit your branch.

      Majority of people would do nothing about it. Common knowledge naman na pag hindi na-maintain ang account, the bank penalizes the account, at pag wala nang balance, it automatically closes the account.

      Ito lang kasing Metrobank, there have been several people who have commented here and in some Pinoy forums, that after some years of leaving their Metrobank accounts inactive, they were surprised to receive a letter from Metrobank, instructing them to go to their branch and close or reactivate their account. The question is why would Metrobank maintain an inactive account for many years. Meron din namang isa who said that after getting the letter, he went to Metrobank, and the teller told him to ignore the letter as it was a miscommunication.

      But if this issue bothers you, and it is a big thing for you, wala namang mawawala if you go to your branch and ask the teller "closed na ba ang account ko?" Kung closed na, eh di good. Pag hindi pa, ask them, "please close na."
      And never reactivate it, sayang naman yong 1,700 plus mo. And never pay anything to close. Wala kang dapat bayaran. Wala namang rule sa closure, except yong 100-peso penalty if account is closed within 30 or 60 days after opening, at yong the bank has the authority to close your account for a valid reason.

      Delete
  85. Hello Ms. Nora! Very helpful po mga information ninyo..May I just ask kung mas maganda po ba yung Optimum Savings compared to the usual passbook savings ng BDO? Salamat po ng marami

    ReplyDelete
    Replies
    1. BDO Optimum Savings Account: Maganda ang Optimum kasi pang-savings talaga itong account na ito. Higher ang interest rate kesa sa regular accounts. 0.25% ang annual rate sa regular accounts; baka 0.50% or 0.75% to 1% kapag Optimum, depending on the balance.
      Pero I suggest na i-open mo lang ito kapag meron ka nang existing bank account at name-maintain mo ito. It means na kayang-kaya mo nang mag-maintain ng high-balance savings account at hindi ka withdraw ng withdraw. The maintaining balance of Optimum is 30k, so you should maintain at least 30k in your Optimum account, everyday. Huwag iwidro. If there are days na less than 30k, dapat during the other days, much more than 30k ang balance para at the end of the month, pag i-average na, 30k pa rin ang average daily balance for the month.
      The penalty for below-maintenance is 300 per month, every month na hindi na-maintain, starting on the 2nd consecutive month the account was not maintained.
      Go, start saving, or keep on saving.

      Delete
  86. Hello, tanong ku lang po tungkol sa maintaining balance, for example 2k, i have 2k on the first day of the month and still 2k on the end of the month, magkaka'penalty po ba ako? Salamat.

    ReplyDelete
    Replies
    1. Hi John anthony: Let's say na 2k ang maintaining balance requirement. Kung every day of the month, from the first day of the month to the last day of the month, andon yong 2k mo, na-maintain mo yong account for the month.
      Pero kung first day and last day lang andon yong 2k mo, at yong ibang araw ay cents lang or few pesos ang laman, hindi mo na-maintain yong account mo for the month.
      Buti na lang ang rule is magka-penalty ka lang kapag hindi mo na-maintain ang account mo for 2 consecutive months. Halimbawa, hindi mo ma-maintain ang account mo this August and next month, September -- magkaka-penalty ka ng 300 pesos sa Sept 30.

      Delete
  87. Hi Ms. Nora

    Thank you for this blog. this is very helpful.
    Everything is in laymans term. and you answer all queries.

    Do you work in a bank? If so, can you also talk about different investments for an average juan. If you already have, can you send me a link. I like the way you discuss topics, it is easy to understand. God Bless.

    ReplyDelete
    Replies
    1. Hi girley, thank you so much for your encouraging words. It inspires me. Makes my day :)
      No, I don't work in a bank. But I've been a client of banks and their products since I was very young. And I've had lots of both bad and good experiences with them over the years.
      I'm glad you're interested in basic or not-complicated investments. Ganon naman dapat -- invest tayo starting with those that we understand fully, and then gradually read up on higher-level investments.
      If you're just starting, you can put your money in a time deposit. Puede sa BPI Family Bank, the biggest savings bank, or puede namang any bank near your residence or work. Pag malaking pera, of course, dapat sa any of the top 20 banks na. PDIC's deposit insurance covers only up to 500,000 pesos.
      Puede rin sa Pag-ibig's 5-year MP2 savings scheme. I like this because its interest rate is 4% or more, malayong malaki kesa sa 0.25% ng savings accounts. Comparison between MP2 and SSS PESO savings schemes
      Thanks again and God bless din
      Would you please like our Facebook pages so we can get in touch from time to time: WorkingPinoy.com Facebook and BanksPhilippines.com Facebook

      Delete
  88. Cherry Te August 29, 2016
    hi po mrs nora, ask ko lang po di po kase ako nakakapag hulog sa passbook ko ng almost 2months? pero ung maintaining balance ko po andun parin,ung 18k ko po ba may interest po ba un? thank you and godbless po
    ANSWER:
    Hi Cherry, oks lang that you haven't deposited in 2 months because you have at least 10k in your account. This means your balance is far above the maintaining balance requirement. Yes, your balance is earning interest. The interest rate for savings accounts though is super low, so don't expect much. Your goal is to save a lot so that later on you can transfer your money into a time deposit. You can also read about mutual funds and real estate now so later on you can invest in mutual funds or real estate.

    ReplyDelete
  89. I will look into Pag-ibig's savings program. Also, I already like your facebook page so I can get informative updates from you.

    Thank you Ms. Nora, may God Bless you always.

    Girley

    ReplyDelete
  90. Bob September 1, 2016
    How come my balance in 10k+, yet they deducted 300pesos
    ANSWER:
    Hi Bob: Was your 10k+ in your account every day of August? or if your balance was almost 11k, was it in your account in most days of August?
    Because what banks compute is the average daily balance for the month, not the balance at the end of the month. If you add all your balances every day of August (from Aug 1 to 31), there should be at least 310k, so that when 310k is divided by 31 days, the result will be at least 10k.

    ReplyDelete
  91. By the way, the penalty is charged on the 2nd month the 10k ADB is not maintained, so this means you also did not maintain your account last July.

    ReplyDelete
  92. if ever po hindi ko na maintain yung adb na 2k per month and I decided to withdraw the maintaining money and open an another account nalang na hindi kelangan ng maintaining balance, hindi po ba ako magkakapenalty kapag nagzero balance yung account ko na yun? or hindi na naging active?

    ReplyDelete
  93. Hi ellimac: Kapag naka-more than 1 month na yong account mo, okay na siya na i-close, if you like. Kung ma-widro mo lahat up to the centavos, at mag-zero balance (0.00), automatically ma-close na yong account mo. Kung closed na, wala ka nang account, and no more account to worry about. Pag merong matira na centavos, ma-automatically close siya at the end of the 2nd month.
    After you withdraw your 2k at merong matira na, for example, 98 pesos, puede mong gamitin yong atm card mo sa supermarket pambayad ng anything worth 98 pesos, if you like.

    ReplyDelete
  94. Hi, ask ko lang po.. may payroll account po ako sa metrobank.. since october 2015 d na po nahuhulugan yun at wala nang laman..then around november 2015 nawala yung wallet ko kasama yung debit card ko, hindi ko na nireport since di ko na naman gagamitin dahil nag AWOL na ako sa company kung saan ako nag work before.. nakareceive ako ng message sa facebook ko galing sa ka work ko na nag awol din na nagkaron daw kami ng penalty sa metrobank kasi yung Payroll account naging personal account. and walang notification yung metrobank samin na ganun gagawin nila. Ngayon i'm in debt with -573 pesos in my account. Question ko lang po eh kung possible na ma waive yun since ang purpose lang talaga nung metrobank account ko is for payroll purposes. wala akong balak mag open sa kanila ng personal account.

    ReplyDelete
    Replies
    1. Followup info. Gusto ko na din kasi i close yun since di ko na nga ginagamit yung account ko dun. so pag pina close ko sya di kaya pagbayarin ako ng 573 pesos? o pwede ko ipa waive yun?

      Delete
    2. Metrobank payroll account: Ang mga banks talaga naghahanap kung saan sila puedeng maka-profit. Wala namang banking rule that an account owner should close his account formally. Eh kung wala nang laman, dapat automatically i-close na nila. Lahat ng mga sumulat ng ganitong case ay all former Metrobank account owners. Walang taga ibang bank. Eh super dami kaya ang nag-o-open ng account tapos napapabayaan na lang.
      You can ignore it. Wala ka namang na-violate na banking rule or law. But if it bothers you and you keep thinking about it, at malapit lang naman ang Metrobank branch sa yo, you can visit your branch and tell the teller you are closing your account because you have left the company that got you the payroll account. If ever you are required to pay, ask them what it's for, and tell them it's the first time you have encountered such a requirement like that. Never never pay anything. Wala kang na-violate na rule or law. Wala kang liability sa kanila.

      Delete
    3. Hi Nora Thanks sa info.. hindi talaga ako makatulog ng maayos dahil dito.. i visited the branch earlier this morning.. then sinabi din nila sa akin na wag ko na lang daw pansinin yun dahil after 30-60 days auto close na yung account. nagtanong ako bat di pa na close yung account before eh sobrang tagal nang hindi nahuhulugan. sabi sakin nung nakausap ko sa bank eh dahil daw dun sa natirang 2k na dineposit ng company ko which is yung backpay. akala ko kasi wala na kaming makukuhang backpay dun sa company na yun kasi nga nag awol kami. ayun sabi na lang sakin eh sayang yung 2k dahil kinain lang ng atm without me knowing na may naideposit pala na pera dun.at kaya daw di na cclose pa kasi ngayon pa lang naubos yung pera na naka deposit at ngayon pa lang mag sisimula yung bilangan para ma terminate na yung account. wala akong binayaran ni isang centavo.. yung pamasahe ko lang papunta sa metrobank ang nagastos ko. Now I can finally sleep well. Hehehe

      Delete
    4. Hi Lorenz: Thanks for coming back to share your experience. May nalaman na ngayon ang mga nag-a-awol na puede pa ring maibigay yong back pay nila. At tip na rin sa mga payroll account owners na maganda rin na iche-check yong atm card nila from time to time kung merong possibility na meron pa rin silang back pay. Sayang din yong 2k. Pero anyway, ok na rin at solved na yong iniisip mo. Thanks again for sharing! Have a good night's sleep.

      Delete
  95. hello po. may tanong lang po. Nag withdraw po ako nung July 18, hindi ko po na-maintain ang 3k balance sa account ko. Last aug. 31, nag-deduct ng 300 pesos. If magdeposit po ako ng 3k or above sa account ko, magde-deduct po ba ulit ng 300 pesos this month?

    ReplyDelete
    Replies
    1. Hi Jellyace: Hindi ko ma-compute ng exact kasi hindi ko alam kung magkano ang balance mo from Sep 1 to today. Ganito ang gawin mo: There are 30 days this September. At sabi mo 3k ang required maintaining balance mo. BPI siguro ito? Multiply natin ang 30 days x 3k. Result is 90k. Dapat kapag i-add mo lahat ang balances mo every day from Sep 1 to Sep 30, ang result ay 90k. Ngayon, kung mas mababa sa 90k, dapat dagdagan mo pa yong ideposit mo, hindi lang 3k, para 90k or more ang total result if you add all balances every day from Sep 1 to 30. Please comment na lang uli

      Delete
  96. When i deposit 4k every month i will never have any penalty ???

    ReplyDelete
    Replies
    1. Hi abbygielle: Oh that would be great! You'll be able to save a lot of money! Implement this plan and you'll be glad you started saving early in your life.
      How much is the required maintaining balance of your account? I hope you already have this amount in your account when you opened it, and that you have maintained it. And now that you plan to deposit 4k every month, yes, sure, your account will never have any penalty.

      Delete
  97. Maam, my remaining balance from my bdo account was 1 thousand pesos only, last march 2015 pa yun. Now yung mother ko nagdeposit ng 106thousand pesos from greece at pumasok naman, pwede ko kaya makuha yun ma'am?

    ReplyDelete
    Replies
    1. Hi ShanShan: Yes, puede mong widrohin kasi account mo yan. Ang maximum withdrawal limit sa ATM is 50k per day. Ang maximum limit per atm witdrawal is 10k. If you need to withdraw more, withdraw the rest over the counter.
      Sabi mo 1k na lang ang balance mo last March 2015, at your mother sent 106k. Kabayan ba ito? or regular atm account? Ang balance mo ba ngayon is 107k plus? I asked kasi nakakatuwa naman na hindi nagbawas ng penalty ang BDO kahit walang foreign remittance in the past 18 months, or hindi na-maintain over the past 16 months. I hope you can comment again. Thanks

      Delete
    2. I mean po dipa ako nag update at tinatanong ko po kung clinosed or dormant na ung account ko ma'am . Regular peso savings po Last transaction last march 2015 po

      Delete
    3. Hi ShanShan: Sinabi mo kasing "at pumasok naman." So I thought na nakita mo na yong balance mo. Mas malamang na automatically closed na ang account mo, at nawala na yong 1k na balance doon. Make a balance inquiry at a BDO atm. Kung hindi na active, visit BDO with your ID and ask if you can reactivate your account and how much you will pay for the penalties. Kapag hindi na puede, ask them kung anong remedyo para makuha mo yong padala ng mother mo from Greece. Malamang ang sasabihin nila ay ask your mother to go back to where she sent the money in Greece and make an amendment, meaning i-change niya yong "deposit to account" to "CASH PICKUP at BDO" to you para makuha mo na lang yong remittance mo over the counter.

      Delete
    4. ShanShan: I meant visit your BDO branch.

      Delete
  98. Hi po ma'am...

    tanong lang po!

    May peso savings account yung may passbook at atm card sa BDO...below maintaining balance na po siya..as a matter of fact, di ko na matandaan kung may balance pa ba siya or kung wala na talaga.. If I remember it right, 2015 last ako nagwithdraw.. Tinuring ko na siyang close account, as in parang wala na akong paki.. Ngayon may pera ako, nais ko sanang ibangko, magagamit ko pa kaya yung BDO Account na yun? May penalty kaya? Natatakot kasi ako baka magdeposit ako ng 15,000, tapos dedeductkan nila. Yung 300 na charge ba nila, sa kabuuan na yun? or monthly? Halimbawa 20months ng below sa madb, mga 6000 kaya ichacharge nila? (20x300) or 300 lang?

    ReplyDelete
    Replies
    1. Hi JunO: ang charge nila ay monthly, from month to month. You're right na kapag 20 months na below balance, ang total penalty is 6000. Mag-open ka na lang ng ibang account. Yong atm savings na lang, para 2k lang ang maintaining balance requirement.

      Delete
    2. Kung mag-oopen ako ng bagon account sa kanila, di kaya ako nila kaltasan? Kung nag zero balance na yun, di kaya naclose na yun? Chineck ko sa BDO online yung account na yun, N/A na nakalagay sa Balance... Nung nag-open ako 5000 lang maintaining tapos naging 10000..

      Delete

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