Maintaining-Balance Penalty on my BDO ATM Account

Question:
Last December, my BDO ATM account was charged with a below-maintaining-balance penalty of 300 pesos.
On January 8, I deposited 1,000, making my balance 2,239.50, and higher than the required maintaining balance of 2,000 pesos.
On January 29, I was deducted 300 pesos again. Why?

Answer:

Your 300-peso deduction was your penalty for falling below your required Maintaining-Balance for 2 consecutive months (December 2015 and January 2016).

Your required Maintaining-Balance or required Average Daily Balance (ADB) is 2,000 pesos.

Your ADB in January was 1,998.12. This is below the required 2,000 pesos.

Here is how Average Daily Balance (ADB) for the month is computed:


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These are your daily balances from January 1 to January 29:

January 1     1,239.50
January 2     1,239.50
January 3     1,239.50
January 4     1,239.50
January 5     1,239.50
January 6     1,239.50
January 7     1,239.50
January 8     2,239.50
January 9     2,239.50
January 10   2,239.50
January 11   2,239.50
January 12   2,239.50
January 13   2,239.50
January 14   2,239.50
January 15   2,239.50
January 16   2,239.50
January 17   2,239.50
January 18   2,239.50
January 19   2,239.50
January 20   2,239.50
January 21   2,239.50
January 22   2,239.50
January 23   2,239.50
January 24   2,239.50
January 25   2,239.50
January 26   2,239.50
January 27   2,239.50
January 28   2,239.50
January 29   2,239.50
January 30   Saturday*
January 31   Sunday*

Let us compute your Average Daily Balance for the month of January.

The formula is:
Add all your balances everyday from January 1 to January 29
Divide the total balances by 29 days
The result is your Average Daily Balance for the month of January.

Total of Daily Balances from January 1 to 7:

1,239.50 x 7 days = 8,676.50

Total of Daily Balances from January 8 to 29:
2,239.50 x 22 days = 49,269

Total of Daily Balances from January 1 to 29:
8,676.50 + 49,269 = 57,945.50

Divide the Total for January by 29 days:
57,945.50 / 29 = 1,998.12

For BDO ATM savings accounts, the required Average Daily Balance (ADB) every month is 2,000.

Your ADB (1,998.12) is lower than 2,000.

It means you were not able to maintain 2,000 in January.

This is the reason why you were again deducted 300 pesos again.

Note:
 * Many banks compute ADB on the last business day of the month.
 * If the last day of the month is a holiday, Saturday or Sunday, banks compute ADB on the last banking day of the month.

142 Comments

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  1. ..'thank u mam…mam may isa pa po ako na tanong..pwede ko pa po bang kunin ATM ko sa kabayan savings ko ngaung nandto na poh ako sa pinas sa branch na pnagkunan ko nang passbook ko..???…at ilang araw ko poh bago mkuha?'wala po kasi silang sinabi sa akin dati na balikan ko ATM ko poh.thank u po.

    1. Bakit nabawasan ako ng 300 khit may maintaining balance nmn ung account ko..

      1. Hi Beryl, yong account mo ba ay merong balance na at least 2k pesos EVERYDAY for the past 2 months? Kung hindi everyday, malamang hindi mo na-maintain yong required balance. To be accurate, hindi rin naman kelangan na andon yong 2k everyday, basta lang in other days, dapat ang account mo ay merong much more than 2k para kapag na-compute na sila ng everage daily balance for the month ay at least 2k pa rin ang result. You can ask BDO to return the 300 penalty if you believe you have maintained your balance.

        1. Hi po kahit po ba days lang na hindi 2000 ang laman mag pepenalty parin po?

          1. Hi Michiko, kung days lang na less than 2k, at merong laman (hindi zero balance), wala pang penalty, basta lang on the next month, andon yong 2k every day of the month, para one month lang hindi ka naka-maintain, na hindi 2 consecutive months. Pag 2 consecutive months, merong penalty na 300 at the last business day of the 2nd month.

  2. Hello po ask ko lang po pano po kung ang balance nalang ng ATM debit ay 2 pesos.. tas pang 4 months na po ako na walang transaction.. di na po ba pedeng mag deposit ulit dun?

    1. Hello po mam Nora, 2013 nag open po ako ng kabayan savings account, 2016 naging regular savings account na lang po sya. Nahihirapan na po ako imaintain yung 10K MADB. Pwede po kaya iclosed at papalitan ko ng ATM savings account?

      1. Hi Rose Anne, yes, puedeng-puede. Sabihin mo agad sa BDO officer na gusto mong mag-open ng atm account (yong 2k ang maintaining balance) at iko-close mo ang Kabayan account mo, at itatransfer mo yong laman sa new atm account mo. Ookay yan sila. Maaaring tanungin ka rin nila bakit mo iko-close or tatanungin nila kung wala ka na sa abroad.

  3. hello po mam/sir may tanong po ako pwde pa po ba akong magdeposit ulit sa account ko last ko nakapagdeposit jan 24 2016 pa po!pwde pa po ba nandito po ako sa ibang bansa..

  4. paki email nalang po ako sa email account ko po thank you
    melodybinas2@gmail.com

  5. Maam pag po ba hindi na kami nakapag withdraw at may balance pang 300 sa passbook automatic po ba yun na after 2 years ma close na ang account? Ty po..

  6. My question is same with Ella…

  7. May related question din po ako.
    What if ang ADM is above minimum pero ang month-end balance is zero (0), may penalty din po ba?
    Thanks in advance po sa sagot..

  8. pag ang account zero balance automatic close po ba un

    1. Hi, nagclose po ba accoun nyo nhng nagzero balance or pwede pa.magtransfer ng o magdeposit doon? Salamat po.

  9. pag ang account zero balance automatic close po ba un

    1. Hi po..nasagot na po ba tanong niyo kung.automatic po ba magkoclose if zero balance?

  10. parang may mali ata bakit twice syang nag-karoon ng deduction dec 2015 at jan 2016 total of 600 pesos. hindi ba dapat 300 lang? diba 300 penalty for 2 consecutive months?

    "Your 300-peso deduction was your penalty for falling below your required Maintaining-Balance for 2 consecutive months (December 2015 and January 2016)."

  11. Hi! So the 300 peso deduction will still happen if I have below 2000 MADB even just for 1 month? Or like in BDO's site, they would only deduct after 2 consecutive months?

  12. Yan din ang tanung ko falling in 2 consecutive months diba 300.00 lang? eh yun sakin on the next month na deduct ulit.. please enlighten me kasi sa rules nyo hindi clear sa amin mga consumer na hindi naman kalakihan ang iniimpok sa banko nyo malaking bagay samin yung kinaklatas na 300.00 even nasunod naman naming yung policy nyo

    1. Angela Lacsamana

      Question po what if 1month ng 1k lang laman ng debit card ko magpepenalty na po ba agad yun?

      1. Hi Angela, kung 1 month lang, wala pang penalty. Kung last February ay 1k lang ang laman, dapat this March, dagdagan mo na, at gawin mo na ang balance ay more than 2k, kasi March 8 na ngayon. Kung hindi 2k ang magiging average daily balance this March, magpe-penalty ka ng 300 pesos on March 29 (weekends kasi ang March 30 and 31).

        1. Man pwede Ba magtanong. March 31 na 1k Lang balance ng account q.. Pwede q paba mahabol mkapag deposit aq ng 1k.. O may penalty na ako?

          1. Hi Maica, Noong bang month of February ay merong at least 2k pesos sa account mo everyday from Feb 1 to 28? If yes, wala ka pang penalty, kasi one month (March) ka pa lang below maintaining. This April, make sure na merong at least 2k pesos everyday from April 1 to April 30 para hindi ka ma-penalty.

        2. Hi po Ms. Nora, ask ko lang po. kaka open lang po kasi nang account ko sa BDO, 2k po initial deposit ko. kaso due to emergency po, na withdraw ko po yung 1,500php over the counter dahil need po talaga. 500php na lang po naiwan sa account ko. question po, magco close na po ba yung account or deduction lang po na 300php? thanks po.

          1. Hi anonymous101, hindi agad magko-close kasi merong naiwan na balance. Ngayong November ka ba nag-open? If yes, wala pang penalty this Nov 29. Try your best na makadeposit ng 1500 or more sa Dec 1 at huwag mo nang widrohin (dapat 2k or more yong balance every day from Dec 1 to 31), para nang sa ganun ma-maintain mo ang account for the month of Dec, para walang penalty. Nagkakaroon lang ng penalty kapag 2 magkasunod na buwan na hindi na-maintain.

          2. yes po this november ko lang i-nopen. ganun pala yun, thank you Ms. Nora for clearing this up, medyo confusing po dati, ngayon naintindihan ko na. within this month naman po magde-deposit na ko para walang deduction. thank you again Ms. Nora! 🙂

  13. Sa mga nagtanong uli kung bakit nadodoble yong penalty, nagiging 600 pesos, imbes na 300 pesos lang: First, hindi ko kinakampihan yong bank, ini-explain ko lang yong process nila.
    Kung halimbawa, last Nov 29 ay nabawasan ka ng 300 pesos, that means noong October and November (2 months yan), yong average daily balance mo noong October ay below 2k at noong November ay below 2k din. Two consecutive months na yan. Ngayon, kung sa Dec 29 ay makita nila na hindi mo pa rin uli na-maintain ang required na 2k average daily balance sa month of December, babawasan ka uli ng 300 pesos in Dec 29. Bakit eh nabawasan na nga noong Nov 29 ng 300 pesos? Mababawasan ka uli sa Dec 29, kasi two consecutive months ka uli na hindi naka-maintain (Nov and Dec). Holidays na yong Dec 30 and 31, so sa Dec 29 na nagco-compute yong system nila.

    1. Hello po …tanong ko lang paano po kung above minimum na yung laman ng atm hnd nba babawasan sa susunod na buwan

    2. Evelyn t. Dela cruz

      Madam paano po aq 6 months na wala aq deposit at wala na un maintaining balance na 2k pwede po ba aq mag deposit ngaun?eh d malaki po mababawas sa deposit q?

      1. Hi Evelyn, malamang closed na ang account mo, kasi nagpenalty yan ng 300 pesos noong 2nd month na kulang sa maintaining balance. At kung nag-zero or negative na, automatic nang closed. Try mo mag-account balance sa BDO atm para makita mo kung active pa.

  14. automatic po bang mag close ang account kapag zero balance na ng 10months?

    1. Hello po maam tanong ko lang po pag ka po ba na withdraw po ang 10k na maintaining bal.automatic na po bang makoclose yon ? bgla po kasi kinailangan eh ,kakaopen lang po last sept.2019 it means 1month na pong wala ng laman.ang natira nlang po sguro 100 or 90 pesos ..Or pwede pa po kayang magdeposit po ako ng 10k for another maintaning bal.? pero kung close na po yun pwede po kaya na mag atm nalang ako ? Thankyou po …

      1. Hi jovzz, merong natirang balance, so hindi pa siya close, pero mukhang hindi mo na mahahabol yong maintaining average for Nov, kaya magiging 2 months nang hindi mo ma-maintain ang account (Oct and Nov), so punta ka na lang sa BDO at mag-open ka ng atm account, at pag na-open na, i-close mo na yong passbook account mo, kasi mas challenging i-maintain ang 10k. Mas madaling i-maintain ang atm account dahil 2k lang ang lagi mong iiwan sa account.

      2. Hi jovzz, yes, pag close na ang passbook account, puede kang mag-open ng atm account. Ang hindi ko lang sure kung the same ang rule nila sa na-close na passbook account. Kasi kapag na-close ang atm account, dapat palipasin muna ng 6 months bago maka-open uli. Hindi ko rin sure kung 6 months pa rin ang rule.

      3. Hi jovzz, same case here. Nagkaroon ako ng emergency kaya nawithdraw ko yung remaining balance ko. Mga 1 year na pero di ko na naibalik yung maintaining balance. Automatic close ba yun or may babayaran ba ko sa BDO dahil di ko na-maintain or nabalik yung balance for 1 year? I’m planning to open a new account sana or if pwede ibabalik ko na lang yung maintaining balance ko. Possible po kaya yun?

        1. Hi armi, kung more than one year na, malamang close na. Puede kang mag-balance inquiry sa BDO atm para malaman mo kung active pa ang account mo. Kung hindi mo naman kelangan ang passbook account, mas madaling i-maintain yong atm account kasi 2k lang ang required na lagi mong iiwanan palagi sa account.

  15. May tanong lang po ako..e paano kung lagpas na sa minimu yung laman ng atm babawasan pa rin ba ulit

  16. sa bdo po on the last two months ndi ko maintain ung MADB nabawasan po ako ng 300 pero this month march-2018 ma maintain ko ung MADB nila ndi nko mababawasan ? ndi kc nila masagot ung tanung ko na un sa branch

  17. Below Maintaining Balance Penalty: Nabawasan ka Feb 28 or March 1 ng 300 pesos? Maintain the required balance this March para hindi ka na mabawasan this March 31 or April 1. 2k ba ang maintaining balance mo? Dapat every day of March, meron kang 2k or more sa account mo. Pag kulang ang balance mo March 1 at March 2, dagdagan mo pa ang deposit mo para yong average for March ay 2k or more.

    1. Hi po..ask ko lng po kapag 0 balance po ng ilang araw palang or lets say a month ung bdo atm acc ko..automatic mag close na po ba yun? Thanks

    2. Hi po pwede po magtanong kung pag na zero balance po ba eh automatic close na pero wala pa namang 1 month ..kasi nag try ako mag inquire sabi invalid daw po..at pwede paba hulogan ulit?thank you…

  18. Hi po! Tanong ko lang po regarding sa Kabayan Savings Account. Starting tomorrow po ay hindi na po makakapag-transact ang non-emv card sa mga atm machines but mcan still access online. So ang tanong ko po ay pwede pa din po ba makapag send money/send to cebuana or ml online or pati din po iyon hindi nadin po?

    1. Hi oink: Sabi sa instructions about BDO Kabayan, kahit non-emv pa rin ang atm card mo, puede pa ring mag-online banking (send money to cebuana or ml), magremit sa account at magwidro or deposit over the counter. Ang hindi puede ay buy online kasi gagamitin mo yong card number at atm withdrawal or atm deposit.

    2. Thank you so much po Ma'am Nora..😊
      God BLess You po.

    3. Hi Mam,

      My BDO kabayan savings acct got closed and sabi nila its because nag below sa maintaining balance. But as far as I know it is a zero maintaining balance as long as once a year may remittance from abroad. When I tried to withdraw from my atm (emv na sya)dahil may remittance ako, invalid na daw sya. When I asked from them sabi nila nag below nga sa maintaining balance. Dahil lutang ako sa nalaman ko na closed na yung acct ko hindi ko natanong yung about sa zero maintaining balance na dapat as long as may remittance. So how is it po? Thanks for taking time to this.

  19. Hello ask ko lang po . yun visa card ko po is 2k nlang yung bal. Then 1 month na po akong d nakapag deposite but 1 month na still/2k at d nabawasan yung bal. Ko . posible po bang my penalty . ?? Advance thank you .

    1. HI Emma: Yong regular BDO atm account itong account mo? Na yong maintaining balance niya is 2k? Basta walang araw na less than 2k ang account mo, safe from penalty ang account mo, kahit exactly 2k ang balance at hindi ka pa nagdedeposit. Basta huwag ka munang nagba-balance inquiry sa ibang banks' atms para wala kang atm fees at para hindi mabawasan yong 2k balance mo.

    2. hi po good day. may tanong po sana ko.pano po kung ang maintaining balance ko ay 10k tpos bbawasan ko lang po pero ibbalik ko dn po in the same month. may penalty po ba ako na bbayaran? please answer po maam. thank you po.

  20. Hi ask ko lang wala pa nmn one month na below 500 yung deposit money sa atm acc ko thenmy friend deposit some money to that acc yesterday after i checked the balance today the money below 500 is still the same what happen?

  21. good afternoon ask ko lang po bakit and sabi ng empoyee ng bdo ay P10,000 minimum balance dapat tama po ba un savings account with passbook and atm ang binigay sa kin thanks po

  22. GoodmorninG po

    Ask ko lang po kung pwede ma retrieve ulit yung na clowe balance na?

  23. Puede pa bang ipa-reactivate ang closed BDO account?: Sorry hindi nagre-reactivate ang BDO ng closed account. Mag-open ka ng new account, maybe at least a month after closure date.

    1. Hi po. 1 month na po 0 balance acc ko. Kapag magdedeposit po ako ngayon papasok pa kaya yun? Sasabihin pa ng teller kung active or closed na account ko? Thanks

    2. Same po tanong ko kay sir Jond maam…sana masagot

  24. Ung account kc ng asw q s bdo ngmit nmin ung pera. Ang remaining blance dpt non 10k. Nag below remaining balance kmi. Dba every month may deduction un ng 300. Ang nging laman nlng nia ngaun is 190. Close account nb un?

    1. Sorry, Avery, for the delayed response. Yes, kung 2 months na na below 10k yong passbook account ng asawa mo, malamang closed na, kasi sa last day of 2nd month na below-maintaining balance, nagde-deduct ng 300 pesos. Kapag nagdeduct ng 300 at 190 na lang ang andon, magiging negative-110-pesos ang balance. Automatically, mag-close na ang account.

  25. Ask ko lng po..paano po kung nagdeposit po ako ng july 10 ng 2500 tapos po nagdeposit po ako ulit ng july 25 ng 1800 ..magkaka penalty po ba ako dahil nkapag deposit ako ng 1800?? hindi po kac umabot ng 2k yong deposit ko nung july 25 ?? Please po!

    1. Deposit and maintaining balance:
      Sorry this is a delayed response. Hindi required na kada deposit ay dapat 2k pesos. Ang BDO account mo ba is BDO atm account? Yong atm lang at walang passbook? If yes, ang required ay dapat everyday merong 2k pesos or more sa account mo, para sa ganon ay 2k pesos or more ang average daily balance mo kada buwan. Kahit magkano ang idedeposit mo or madalang kang magdeposit or madalas, walang kaso, basta everyday, merong 2k pesos or more sa account mo.

  26. Mam what if naubos mo yung balance na 2k this sept ma close po ba yun agad?

    1. Naubos na balance: Winidro mo ba lahat? Ang balance mo is 0.00? Malamang closed na ang account mo kapag zero ang balance. Sana nag-iwan ka kahit 1 peso. Try mong mag-balance inquiry ngayon sa atm.

    2. Kung nag-iwan ka ng mga few pesos, at active pa ang account mo, at na-maintain mo ang account mo last August, that means sa Sep ka pa lang mag-below-maintaining-balance, so hindi ka pa magpe-penalty. Dapat sa Oct 1 to Oct 31, everyday, andon ang 2k pesos or more.

  27. Good morning po automatic po bang nag close account n kapag mga 4months n walang laman ang account mo…nakuha n lahat ng maintaining balance di n b siya puedeng lagyan ulit ng pera

    1. Sorry malamang closed account na, kasi 4 months na. Once na 0.00 o negative na ang balance mo, automatically ma-close na siya. Ang alam ko, hindi nagpa-pa-reopen ang BDO ng closed account. But you can open a new account, siguro, after a few more months. But you can try opening a new account and they will advise you if you can open or wait for a few more months.

  28. Kabayan savings po ung akin.

  29. Hi maam..ask ko lang po…magkoclose po ba ang bdo savings account automatic once na nazero balance siya?pero wala pang 1 month?pwede pa kayang mgdeposit?kasi nag inquire ako invalid ang lumalabas..at pag nagdeposit po ba ako malalaman ng teller if close na?thank you po

  30. Hello mam,pag halimbawa po ang maintaining balance mo is 10k tapos na withdraw mo 5k mag close na ho ba atm ko

  31. Hi maam. What if we’ll come up to this situation. Mayroon akong 2k na balance sa BDO, November 21 magwiwithdraw ako ng 1.5k, so 500 na lang balance ko. Sa December 10, magdedeposit ako ng 1.5k to make it 2k again. Question is, may penalty po ba pag ganyan? Thank youuu.

    1. Hi joy, yes, meron ka nang penalty sa last banking day of Dec, kasi November at December hindi mo na-maintain ang account mo. Merong penalty kapag 2 consecutive months, hindi maintained. At meron uli penalty kapag hindi mo na-maintain sa January 2019. Consider opening a Kaya account sa BPI or BPI Family, walang maintaining balance, although merong 5-peso fee for every atm withdrawal or balance inquiry.

  32. Id like to know if do you guys get our atm remaining balance? So i had 2k balance in my atm as we opened it last March, when i balanced it there was a charge a 2 pesos so the possible balance was 1998 pesos and then after that I did not put any money on it and havent checked it anymore till last day. My question is do you guys get those remaining balance?

    I transferred money from paypal to my bdo account and im supposed to have it by 28th of November but unfortunately until now it’s not on my card yet. And it did not also returned in my paypal account. I have been checking my account and no withdrawals transaction but my balance has been deducted.

    1. Hi Mary Ann, is your atm card a cash card? Because I wonder about that 2-peso charge. There’s a 2-peso charge if you withdraw using a cash card and if you inquire at other banks’ atms. There’s no maintaining balance requirement for cash cards, so your 1998 pesos should still be in your cash card. What’s your balance now? If your account is a regular savings account, there’s a penalty of 300 pesos per month starting from the second consecutive month you have not maintained your account.
      About Paypal, I hope your Paypal money will be credited on Tuesday, the 3rd banking day from Nov 28. It can take up to 5 days. I hope you can tell me your current BDO balance.

  33. What happen if I withdraw my maintaining balance in BDO-ATM DEBIT? Possible ba na ma-close account ko? Thanks

    1. Hi Maeli, kapag winidro mo lahat at magiging zero ang balance, automatically mag-close ang account mo, at hindi mo na ito marere-activate. But you can open a new account after maybe a month. Para hindi mag-close, mag-iwan ka ng piso or more. Kapag below maintaining balance ka for 2 consecutive months, meron kang penalty na 300 pesos on the last banking day of the 2nd month.

  34. Kapag ba 1k yung laman pa ng atm ko. Penalty lang yung mangyayare? Hindi po yun macclose? Thanks

    1. I have the same question like maeli

  35. What if invalid na yung bdo atm card kasi nag 0 balance ako ng 2 months, pwede po ba ulit ako magre-apply ulit for another card? Thank you

    1. Hi Precious, yes, puede kang magre-apply sa BDO pero wait until after 6 months. Yong BDO cash card siguro, puede kang makaopen, kasi cash card naman siya, not a savings account. Merong balance limit na 10k at 25k. Walang maintaining balance, basta merong transaction at least one every 6 months. Merong 2 pesos fee for withdrawal or debit.

    2. Hi Precious, pag na-closed na, wait for 6 months before you can open a new account. Siguro pag cash card ang i-open mo, puede. Merong balance limit ang cash card, up to 10k and 25k only.

  36. hi last jan. 2, 2019 winidraw ko ung maintaning balance ko peso nalang ung naiwan then gusto ko sana maghulog ulet ngayon pwede paba ako magdeposit ulet or close na sia?

    1. Hi Jeraldine, malamang closed account na kasi magkasunod na 2 months nang below maintaining balance, at noong magdeduct ng 300 pesos on the last business day of February, nag-zero na at automatically closed na. Kung hindi ka na maka-transact sa atm, malamang closed na.

      1. Possible ba na mgchange ng passbook savings to atm savings sa bdo?

        1. Hi Michelle, yes, if the passbook account is Kabayan. Kapag regular passbook, malamang na i-advice sa yo to open a new atm account (initial deposit and maintaining balance is 2k pesos), then close your passbook account.

  37. Hi maam, may 2k po akong maintaining balance then nag withdraw po ako nang 1k kasi needed po. Pero nag deposit naman po ako after 1 week. May penalty po ba yun? Salamat

    1. Hi Roel, ngayong March ka ba nagwidro at nagdeposit uli? If yes, make sure this coming month of April na nasa account mo ang 2k or more every day of April, para kahit hindi ka naka-maintain in the month of March, makaka-maintain ka in April, at nang sa ganun, one month ka lang hindi naka-maintain. Meron lang namang penalty kapag 2 months na magkasunod na below maintaining balance.

  38. Hello poh Ma’am, mag withdraw poh ako ngayon araw March 27, 2019 ng 1k ang maintaining balance ko poh 2k. My penalty poh ba yun Ma’am at magkanu penalty? By April 2, 2019 ibalik q din poh yung 1k. Thank you

    1. Hi May, bale 1k ang maiiwan for 5 days in March? Meaning hindi mo mame-maintain ang required average daily balance for March. So dapat on April 2, ang ideposit mo ay more than 1k (puedeng 1,100) at pabayaan mo na 2,100 ang balance mo everyday in the month of April para wala kang penalty. Merong penalty if you don’t maintain your account for 2 consecutive months.

  39. Hi ask ko lang may balance ako sa atm ko 2300 nag withdraw ako ngayong march 29 ng 2,000.baka maibalik ko by 2nd week ng april ang 2000 na kinuha ko. May penalty naba ako nun.

    Thank you!

    1. Hi Steph, yong 2300 mo ba ay nasa account mo since March 1 at everyday na andon until March 28? If yes, maintained mo ang account mo during the month of March. For the month of April, malamang na below maintaining balance ka sa month of April, so make sure na during the month of May, andon palagi yong 2k or 2300 mo everyday from May 1 to May 31 para hindi magkasunod na buwan na below maintaining balance ka. Merong penalty kapag 2 consecutive months na below required maintaining balance.

  40. Hello po, may question din po ako, BDO savings account. never pa naman po bumaba sa 5k ung laman ng atm ko then last march 24 pagcheck ko po 4752.52 my bawas na 300.. then nagwithdraw ako ng 2k so remaining po 2752.52..

    bakit po pag check ko po ulit today april 08 may deduction ulit na 300? 2452.54 nlng total

    please enlighten me. or if ever knino ko po i-brought up ung concern ko? thanks

    1. Hi inah, meron ka bang passbook? Kasi 10k pesos ang maintaining balance ng passbook account. Ang atm-only account is 2k lang. Merong 300 pesos na deduction sa 2nd consecutive month na hindi mo naabot yong 10k pesos na average daily balance, at tuluy-tuloy na deduction na until ma-restore mo sa 10k na maintaining balance. Passbook nga ba?

      1. opo ma’am passbook nga po 😅 maraming salamat po. now I know.. so every month na po deduction nun unless mag 10k ulit ang balance.. thank you so much. pero paano po ma’am kung wala pa po ako money para mag deposit to make it 10k, sayang naman po ang 300 kada buwan. what if withdraw ko po un lahat. paano po penalty nun?

  41. Hi mam good morning ask lng po aku sa acct sa sister ko dpat dw kc mag maintain xa ng 10k sa bdo acct nya.nagkataon na stop xa ng work pero nag maintain xa sa acct nya not until last dec2018 na withdw nya emergncy ang 5k kc needed nya training requirements sa pnp. Bale may remaining 5k sa acct nya, ngaung april chek nya ang acct nya invalid na. Authomatic close nba ang ang aact nya? Pwde pa bang mahabol hulugan ang acct pra hndi mawala? May 5k kc sa acct nya hndi nya nahulugan, ngayong month sna hulugan ulit pra maintain ulit. Ngaun lng kc xa nka msgs smin, hndi ma kontak since nsa training pxa. Nagpadala kc xa pra sna sa acct nya pra ma maintain. Badly needed answer kc aku ung nautusan nyang e tanong hndi xa mkalabas sa training nla. Salamat

    1. Hi Jagus, noong Nov 2018 ba ay 10k pa ang laman ng account niya? At nagwidro Dec 2018? If yes, then na-penalty ng 300 every month from Jan March — that’s 900 pesos in total, so dapat meron pa siyang around 4,100 pesos. Closed ang BDO branches this Holy Week, so on Monday, try to deposit 500 pesos to your sister’s account, para ma-test kung closed na ba talaga ang account ng sister mo. Kung hindi na tanggapin ang deposit mo, closed na nga talaga ang account. Try to ask why. Tell teller she is your sister and she’s training at PNP. Sometimes they answer, sometimes not, because of banking privacy laws. Your sis can call BDO 631 8000

  42. Rochelle Mendoza

    Good morning po, mag-oopen po sana ako ng account, what if nagopen ako ng account, at inilagay ko po is 10k, tapos hindi ko po xa binabawasan, at ndi gagalawin. posible ba na ndi mwawala ang 10k nya dun?

    1. Hi Rochelle, hindi mawawala, basta everyday na andon yong 10k pesos, assuming na ang inopen mo ay yong BDO passbook account, which requires a 10k maintaining balance. Sa BDO ka mag-oopen ng account? Ang magandang i-open mo is yong atm-only account, kasi 2k pesos lang ang maintaining balance requirement nito. It means na yong 10k pesos mo ay sure na sure na mag-maintain ng account mo, kahit there are times na mabawasan mo ng konti. Keep your atm card safe, at dapat walang ibang tao na nakakaalam ng PIN mo.

  43. Paano ko po mawiwithdraw kaya yong maintaining balance na 2k?

    Ilang beses ko na kasi siya try na withdraw, pero insufficient fund daw.

    1. Hi Jonna, nag-balance inquiry ka ba? Magkano ang balance? Baka less than 2k na lang. Or another reason: Less than 1 month pa lang ba since opening your account? If less than, merong penalty na 300 pesos, so withdraw only 1,700. Or another reason: Sa ibang bank atm ka ba nagwiwidro? Sa BDO atm ka magwidro para walang atm withrawal charge.

      1. Sa BDO din po ako nagtatry na magwithdraw po. Maintaining balance nalang po ang meron sa Atm ko kaso pag nasoshort po ako, gusto ko po muna kunin yong maintaining balance ko kaso ayaw po. Insufficient funds daw po.

        Magsisix months palang po since nag open po ako ng acct.

        Sabi ng friend ko baka daw hinold ng bank yong maintaining balance. Possible po ba yon?
        Thank you po.

        1. Hi Jonna, May 2 na ngayon, make balance inquiry baka nabawasan ka na ng 300 pesos na penalty. Nabawasan ka nga ba ng 300 pesos? If you want to retain your account, do not withdraw all. Dapat hindi zero ang balance. If you think it’s not easy to maintain, you can open a BPI Kaya account , 250-peso opening, no maintaining requirement, meron lang 5-peso fee for atm withdrawal.

  44. Salcedo Valera Alfredo Jr

    pwede ko pa po bang e activate yung kabayan account ko na hindi ko nahulugan noong nasa pinas ako? (almost 2 years+) ang balita ko kasi napalitan na daw ng savings account. mayroon pa kasing mga 10k+ yung laman. gusto kung hulugan habang nandito ako sa Malaysia. Salamat po

    1. Hi Salcedo, kung more than 2 years nang hindi nawidrohan o nadepositohan, na-dormant na ang account mo, meaning na-deactivate temporarily. Ang paraan para ma-reactivate is to go to your BDO branch in person with your IDs and reactivate your account. Yes, since hindi naka-receive ng foreign remittance within 1 year, na-convert na siya into a regular account — hindi ko lang sure kung implemented na yong new rule nila sa account mo, so kung implemented na, ang converted account mo is an atm account which requires a peso maintaining balance of 2,000 pesos.

      1. Salcedo Valera Alfredo

        so mam pwede ko pa ba siyang hulugan kahit converted na siya as a savings account saka ko na lang pa activate sa kabayan account pag uwi ko po. the same pa kaya yung account number ko or napalitan na din. Salamat po

        1. Hi Salcedo, oo malamang the same account number pa rin, pero hindi madedeposit ang remittance mo kasi naka-dormant ang account mo. Maho-hold yong padala mo. Kung gusto mong ma-check ang status ng account mo, either call BDO, or magpa-deposit ka sa family mo ng 100 pesos over the counter. Kung tatanggapin yong deposit, active ang account mo, so puede kang mag-remit. Kung hindi tanggapin, sasabihin naman siguro nila kung ano ang dahilan. Kung dormant nga yong BDO account mo, and if you like to save, try to ask Maybank there if they are offering account opening for Philippine-based Maybank. Or kung hindi, puedeng mag-open ka ng Maybank account (Malaysia-based) na withdrawable in the Philippines via atm. Piliin mo yong account na low or no maintenance requirement.

  45. Hi po, query ku lang, if by chance emergency nagwithdraw po aku sa account ku, then my only balance for my account is my MADB which is 10K, nagwithdraw po aku ng 3k so it will fall below MADB na po. If by chance maibalik ku nman po within the month ung naiwithdraw kung 3k pra maibalik sa MADB ung balance ku po sa account, may chances pa din po ba yun na magkacharges ng 300php?

    1. Hi rkieru2, kapag within one month lang na less than 10k ang laman, walang penalty, kasi one month ka lang hindi naka-maintain. Meron lang penalty kapag 2 magkasunod na buwan na hindi ka naka-maintain. So kung ngayong month of May ay hindi mo na-maintain yong 10k na required average balance, dapat sa month of June, every day of June ay dapat andon yong 10k pesos sa account mo. If you like, you can open BDO’s 2k atm-only account so it’s easier for you to maintain, then after opening, close your passbook account, then add what you withdraw from your passbook account to your atm account.

  46. Richard Ramirez

    what if kakakuha mo nalng sa regular atm card mo,then kinuha mo ang 2000 deposit for emergency,nagyon may magpapadala sa akin after 5 days from withdrawal.it said invalid card number

    1. Hi Richard, ibig mong sabihin, kinuha mo lahat ng balance at ang natira ay zero? Malamang, na-close na ang account mo. Kung wala pang 1 month ang account mo, meron pang penalty na 300 pesos for closing within one month from opening, kaya naging negative pa ang account mo. You can go to any BDO branch and ask. Or mag-open ka na lang ng new account in another bank, kasi after closure, you wait for 6 months before opening a new account.

  47. hi maam nora ask q lng po last sept 2018 ngbelow sa maintaining balance ung atm savings account till now june 15, 2019, closed n po b un o temporarily deactivated lng at continues po ung dedcrion nila which means wla n laman ung atm q? ksi nga ndi maintain ung 2k n balance,thank you po

    1. Hi mark, malamang oct 2018 nagsimula ang 300 penalty deduction mo from month to month, so malamang naubos na ang balance mo noong March or April 2019, at na-automatically closed na. Nasa abroad ka ba at hindi mo ma-check sa atm ang balance mo? Pag closed na, you can open a new account after 6 months.

      1. Hi! Ask ko lang po paano kung withdrawhin ko ngayon maintaining balance ko na 2k tapos ang natira na lang ay 42 pesos, magclose account na ba agad yun automatically? Or hindi pa naman? And magdeposit ako ng 3k before end of this month, 300 lang ba mababawas sakin?

        1. Hi Demi, hindi pa mag-close kasi merong 42 pesos. Yes, 300 pesos lang ang mabawas sa iyo (June 28) kapag magdeposit ka ng at least 2k on June 30 or July 1, at hindi mo ito wiwidrohin.

      2. Hello po kapag po ba nabawasan na sya ng 300 last month tapos hindi pa rin po na maintain yung balance this month may penalty po ba ulit na 300? 10k po yung maintaining balance ko

        1. Hi Ford, yes, tuluy-tuloy from month to month ang pagbawas ng 300-peso penalty habang kulang sa 10k ang average daily balance mo for the month. Kapag nahirapan ka to maintain, go to your branch and ask to open an atm savings account (2k lang ang maintaining), close your passbook account, then deposit what you got from your passbook account.

  48. Hi… may tanong ako yong BDO ATM ko na withdraw ko lahat ang pera … walang naiwan … last may 2019 … pwd pa bang magamit ang ATM? My penalty vah o mag open account ulit? Please reply
    Thank u

    1. Hi Ritchel, sorry I missed your question. Malamang na-closed na ang account mo kasi naging 0.00 ang balance mo. Try making a balance inquiry sa BDO atm. Kung closed account na, you can open a new account with BDO after 6 months.

  49. Hi maam, may less than 2k maintaining balance po ako sa account ko pero di pa naman po xa umabot ng isang buwan na below maintaining. Nag withdraw po ako ng 1K nung Aug 1. chineck ko naman agad online may tirang higit kumulang 500php pero this morning pag check ko naging 16php nalang po xa. Ma ku-closed account po ba agad ako?

    1. Hi Jesa, you can check your transactions online to see if you were deducted 300 pesos for below-maintaining balance penalty. Most likely, you also made withdrawals at other banks’ atms, so there are atm withdrawal fees, leaving you with only 16 pesos. Para hindi ma-close ang account mo, magdeposit ka tomorrow ng 2,600 para ang average daily balance mo this August ay magiging 2k or more.

  50. Mam n withdraw ko lhat ng pera s atm ko wla natira..tpos ng try ako ng balance inquiry tpos hnd p n closed..pwede mo p b deposituhan ung account ko?

    1. Hi Analynn, malamang merong natira na cents kaya hindi pa na-close. Bukas kung nakaka-balance inquiry ka pa, yes, puede mo pang depositohan.

  51. HELLOW PO MA`AM GOOD AFTERNOON PO,PANO PO MA`AM KUNG 1700 NALANG PO UNG BALANCE ND DEBIT CARD KO.NGAYUN AUGUST LANG PO NABAWASAN MAGKAKARUON PO BA AKO NG PENALTY. AT NG NAG BALANCE AKO. 245 NALANG PO ANG LAMAN.

    1. Hi Rinalou, 2k ang maintaining balance ng BDO atm account. Kung 1700 ang balance mo buong month of July and part of August, at nabawasan mo pa, magpe-penalty ka na ng 300 pesos tonight or early tomorrow. Why? Kasi 2 months na magkasunod na below 2k ang average daily balance mo. Since 300 pesos ang penalty, at 245 lang ang laman, kulang na, so mag-close na ang account mo tomorrow. Pero kung at least 2k ang balance mo every day last July, hindi ka pa mag-penalty this August 30 or 31. Para wala nang penalty at hindi ma-close ang account mo, gawin mong at least 2k ang balance mo everyday from Sep 1 to Sep 30. Kung below maintaining balance ka last July, at kung gusto mo pang active ang account mo, magdeposit ka ng 100 pesos now, para merong pang-penalty at para di ma-close ang account mo.

  52. hi! paano i compute ang 6 mos adb? i add ang every month na maintaining balance sir?

    1. Hi cher, every last business day of the month ang pag-compute, then starting from the 2nd consecutive month na hindi na-maintain ang required ADB, magbabawas na ng penalty from the 2nd month to the next month, and so on, hanggang ma-close ang account or hanggang na-restore na to required ADB level. I-add mo ang balance (final balance sa end of day) ng account mo every day from 1st day to last business day, then i-divide mo yong total ng number of days, yan ang ADB mo sa buwan na yan. Here is how to compute monthly ADB.

  53. Hi po . wat if may 2.3k ako sa BDO then planning to withdraw po sana yung 1.3k then ibabalik ko within a week. mag ko-close account na po ba? matagal na po ATM ko at ngayon ko lang po sana babawasan yung 2k na minimum.

    1. Hi Wina, sa buong buwan ng August ba ay 2k or more ang laging nasa account mo everyday? If yes, okay lang magwidro ka muna ng 1.3k (importante na merong amount na maiwan), basta before October 1 ay 2k or more na uli ang balance ng account mo, everyday of October, para maintained ang account mo in October. Why no penalty? Kasi 1 month ka lang hindi ka naka-maintain (September). If hindi ka maka-maintain ng 2 magkasunod na buwan, like halimbawa Sep and Oct, magpepenalty ka ng 300 on Oct 31.

  54. Tanong ko po sana halimbawa na nag 0 balance po ang account sa ATM peso savings account tapos inabutan po ng monthly charge na 300 pesos na di pa nababayaran. Mag close po ba agad yung account?

    1. Hi Lester, yes, once na mag-zero (0.00) ang balance ng account, automatic na ma-closed ang account.

  55. hi . Ask kung ilang beses makakaltas ng penalty sa isang buwan ? nakaltasan kasi ako today baka sa ocotber 15 ko pa malagyan ulit , remaining ko po ay 700 , magkakaltas po ba ulit sila this month ng oct?

    1. Hi Anna, minsan lang ang kaltas ng penalty sa isang buwan. Pero malamang makaltasan ka uli sa Nov 1 kung hindi mo uli ma-maintain this month of October. Kung Oct 15 ka magdeposit, dapat magdeposit ka ng at least 3,400 (para maging at least 4,100 ang balance) at huwag mo munang galawin, para hindi ka magpenalty sa Nov 1 or 2.

  56. Mam paanu po kung july 1 to august 26 walang balance tapos august 27 nag deposit ulit ng 6k ilan po magiging penalty nun?.

    1. Hi james, ang meaning mo ba sa walang balance is zero? or konting balance? Kasi kung zero balance, dapat closed account na, pero sabi mo nakapagdeposit ka pa, so malamang merong konting balance. Dahil 2 months nang hindi maintained ang account mo, 300 pesos ang penalty, deducted on Aug 30. Kung in June ay below maintaining din ang account mo, meron ding 300-peso penalty on July 31.

  57. Meron po ba maintaining blance yung BDO Debit Cards?

    1. Hi TinTin, yes, meron. Lagi dapat merong at least 2k sa account mo. Kung hindi maintained ng 2 magkasunod na buwan, merong penalty na 300 pesos sa end of the 2nd month, and every month after, until na-restore mo na ang account mo

  58. Hello po asked ko lang po kapag nabawasn po b ng 5k yung 10k na maintain balance magkano po kaya ang penalty.. Thankyou po.

    1. Hi Rovylyn, kung 2 months na magkasunod na hindi mo na-maintain ang account mo, ang penalty sa end of second month ay 300 pesos. Kung hindi pa rin ma-maintain sa 3rd month, merong uli 300 na penalty sa end of 3rd month, and so on, hanggang ma-maintain mo ang account mo. Siguro it’s better na palitan mo yang passbook account mo ng atm account para 2k lang ang maintaining requirement mo.

      1. ]Hello po pano po maam pagka na withdraw na po lahat ng maintaning bal.na 10k tapos mag 90 or 100 nalang ang natira ? bigla mo kasing kinailangan eh ..magkaka penalty pa po ba yon or automatoc close na ?

      2. Maam pano po pala pagka wala ng natira sa maintaining balance na 10k ? automatic close na po ba yon? ano po dapat gawin? kelangan po bang iinform sa kanila?

        1. Hi rovylyn, kung 0.00 na ang balance, automatic closed na ang account. Hindi na kelangan silang i-inform. Try withdrawing at a BDO atm, malamang ang response na is “Closed account” or “Cannot access your account” or “Invalid account”

  59. 1month ago na po …then pwede pa po kaya mag deposit for a new maintaning bal.?

    1. Hi jovzz, kung merong natirang pera, kahit few pesos lang, hindi agad mag-close. Kelan ka nagwidro ng 10k? Last October? If yes, malamang mag-close na this Nov 29, kasi hindi mo na-maintain ang account mo in Oct and Nov (magkasunod na 2 months). On Nov 29, babawasan ng 300k for penalty, at magiging negative na kasi kulang sa 300k ang naiwan sa account.
      Kung hindi namang kelangang passbook ang account mo, I suggest pabayaan mo na itong account na mag-close, at mag-open ka na lang ng atm account (only 2k maintaining balance). Mas okay kung mag-open ka habang hindi pa close itong passbook account mo. Para kung sabihin ng teller na “O meron kang passbook account,” sabihin mo na iko-close mo na yan, at atm account na lang ang ituloy mo.

  60. Hello po mam nora, pwede ko po ba na i close passbook savings account ko then open ako ATM savings account at the same time po? Dati po kasi Kabayan savings po account ko sa bdo but for 12 months di na po nahulugan abroad kaya naging peso savings na sya na may 10K maintaining balance, hirap po kasi ako ngayon i maintain yung 10K.

    1. Hi Rose Anne, yes, puedeng close your passbook account and open an atm account at the same time. Sabihin mo lang agad sa officer yong gusto mo. Bring your passbook and 2 valid IDs.

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