BDO Maintaining Balance Penalty

Updated August 6, 2023

The BDO Maintaining Balance Penalty is 300 pesos per month. It’s deducted from your balance on the last business day of the month. Charging starts from the 2nd consecutive month that you have not maintained your account. Dalawang magkasunod na buwan na hindi mo na-maintain ang account mo.

Sample Question about BDO Maintaining-Balance Penalty:

Last June 30, my BDO ATM account was charged with a below-maintaining-balance penalty of 300 pesos.
On July 11, I deposited 1,000, making my balance 2,300, and higher than the required maintaining balance of 2,000 pesos.
On July 31, I was deducted 300 pesos again. Why?

Answer:

Your 300-peso deduction on July 31 was your penalty for falling below your required BDO Maintaining-Balance for 2 consecutive months (June and July).

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

Your ADB in July was 1,977.42. This ADB is below the required 2,000 pesos.

To avoid BDO maintaining balance penalty, maintain your ADB every month.

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

These are your daily balances from July 1 to July 31:

July 1     1,300
July 2     1,300
July 3     1,300
July 4     1,300
July 5     1,300
July 6     1,300
July 7     1,300
July 8     1,300
July 9     1,300
July 10   1,300
July 11   2,300
July 12   2,300
July 13   2,300
July 14   2,300
July 15   2,300
July 16   2,300
July 17   2,300
July 18   2,300
July 19   2,300
July 20   2,300
July 21   2,300
July 22   2,300
July 23   2,300
July 24   2,300
July 25   2,300
July 26   2,300
July 27   2,300
July 28   2,300
July 29   2,300
July 30   2,300
July 31   2,300

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

The formula is:
Add all your balances everyday from July 1 to July 31
Divide the total balances by 31 days
The result is your Average Daily Balance for the month of July.

Total of Daily Balances from July 1 to 7:

1,300 x 10 days = 13,000

Total of Daily Balances from July 8 to 31:
2,300 x 21 days = 48,300

Total of Daily Balances from July 1 to 31:
13,000 + 48,300 = 61,300

Divide the Total for July by 31 days:
64,300 / 31 = 1,977.42

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

Your ADB (1,977.42) for July is lower than 2,000.

It means you were not able to maintain 2,000 in July. You were also not able to maintain your ADB in June.

This is the reason why you were again deducted 300 pesos (the BDO Maintaining Balance Penalty). It’s because you were not able to maintain your required ADB of at least 2,000 pesos in June and July (2 consecutive months).

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. Reference: ATM Savings

Tips to Avoid the BDO Maintaining Balance Penalty

. Kung hindi mo na-maintain ang 2,000 pesos na ADB itong current month, make sure na sa susunod na month ay ma-maintain mo na. From the first day of the month to the last day of the month, dapat andon sa account mo yong 2k or more.
. Kung palagi kang nababawasan ng 300 pesos na penalty, siguro it’s a sign na to look for an account with zero or low maintaining balance.
. Marami nang digital accounts ngayon na WALANG required na maintaining balance. Kahit initial deposit, hindi required. Licensed by the BSP din ang mga ito. At insured by the PDIC din ang mga deposits. Try any one of these digital banks:

  • Maya Bank
  • Union Digital Bank
  • GoTyme Bank
  • Uno Bank
  • Tonik Bank
  • OFBank

I-download mo lang yong mobile app from Google Play o Apple Store at sundin mo yong instructions. Be ready with your ID and be prepared to upload your selfie.

. Meron ding mga digital accounts offered by traditional banks: online accounts offered by Union Bank, Komo by Eastwest Rural Bank, at Diskartech by RCBC.

. Meron ding digital accounts offered by rural banks: SeaBank and Netbank

. Meron ding digital accounts na puede mong ma-open sa GCash: CIMB, Maybank, BPI, Uno. Just click GSave on your GCash app.
. Kung ayaw mo nang pure digital, meron pa ring yong mga accounts with low maintaining balance requirement, kagaya ng Landbank atm savings account na 500 pesos lang ang required ADB. Go to this post to see other bank accounts with low maintaining balance requirements.

457 Comments

  1. Moiz Ali 12/14/2016
    • Beryl 04/13/2019
      • Nora 04/14/2019
        • Michiko 05/25/2019
          • Nora 05/25/2019
          • Marcelito 02/28/2021
          • Nora 02/28/2021
          • Mae 12/27/2021
          • Nora 12/27/2021
        • RJ 12/02/2020
          • Nora 12/06/2020
        • Jen 02/24/2021
          • Nora 02/24/2021
          • Nora 02/26/2022
        • Loisa 03/25/2021
          • Nora 03/26/2021
        • Jud 04/08/2021
        • Juday 04/08/2021
          • Nora 04/08/2021
        • Ally 04/19/2021
          • Nora 04/19/2021
        • Ericka 04/30/2021
          • Ericka 04/30/2021
          • Nora 04/30/2021
        • Abi 07/29/2021
          • Nora 07/29/2021
        • arnel paule 01/09/2022
          • Nora 01/10/2022
          • Nora 02/10/2022
        • Rebecca Hontiveros 02/10/2022
          • Nora 02/10/2022
        • gilbert 05/15/2022
          • Nora 05/16/2022
        • sophie 08/06/2023
          • Nora 08/06/2023
  2. Ella 06/07/2017
    • Rose Anne 12/02/2019
      • Nora 12/02/2019
        • Tiffany Arlene gafores 04/01/2020
          • Nora 04/01/2020
        • chesa 04/02/2020
          • Nora 04/02/2020
        • Jeddah Cardenas 05/01/2020
          • Nora 05/01/2020
          • Jin 05/03/2020
          • Nora 05/03/2020
        • chris 06/20/2020
          • Nora 06/21/2020
        • Cecille doromal 06/07/2021
          • Nora 06/07/2021
        • Shiela 07/01/2021
          • Nora 07/01/2021
        • Danilo nabong hipolito 04/30/2022
          • Nora 04/30/2022
        • Jane 10/01/2023
  3. Melody Binas 06/11/2017
  4. Melody Binas 06/11/2017
  5. Anonymous 07/17/2017
  6. Sixta Ticbe 07/24/2017
  7. Unknown 07/26/2017
  8. maryann velasco 09/01/2017
    • Sarah Joy Pastores 01/18/2018
      • Jane 10/01/2023
        • Nora 10/01/2023
  9. maryann velasco 09/01/2017
    • Unknown 10/19/2018
  10. JhecC 09/26/2017
  11. Anonymous 10/24/2017
  12. Anonymous 12/01/2017
    • Angela Lacsamana 03/05/2019
      • Nora 03/07/2019
        • Maica 03/30/2019
          • Nora 03/31/2019
        • anonymous101 11/23/2019
          • Nora 11/23/2019
          • anonymous101 11/23/2019
  13. Nora Tamba 12/02/2017
    • Maricel Felismino 01/05/2018
    • Evelyn t. Dela cruz 12/09/2019
      • Nora 12/09/2019
        • chrln 04/01/2021
          • Nora 04/03/2021
    • Elgie Erolon 05/21/2020
      • Nora 05/30/2020
    • Charlie Gultiano 08/06/2020
      • Nora 08/06/2020
    • Dorothy 06/07/2021
      • Nora 06/07/2021
    • Nica 08/14/2023
      • Nora 08/14/2023
        • Nica 08/16/2023
          • Nora 08/19/2023
  14. elle 12/14/2017
    • jovzz 11/16/2019
      • Nora 11/16/2019
      • Nora 11/23/2019
        • beverly jane 03/27/2020
          • Nora 03/27/2020
        • Jeffrey ramirez 08/02/2021
          • Nora 08/02/2021
        • Paolo 10/29/2021
          • Nora 12/27/2021
      • armi 12/02/2019
        • Nora 12/02/2019
        • Lovie 03/15/2021
          • Nora 03/15/2021
  15. Maricel Felismino 01/05/2018
  16. Anonymous 03/02/2018
  17. Nora Tamba 03/02/2018
    • Jond Cyrd Dabuit 09/29/2018
    • Unknown 10/19/2018
  18. oink chu 03/31/2018
    • Nora Tamba 03/31/2018
    • oink chu 04/01/2018
    • Dawn Garcia 07/05/2018
  19. Emma Capapas 04/27/2018
    • Nora Tamba 04/27/2018
      • nappy 06/06/2021
        • Nora 06/06/2021
      • Charie Lee Olmoguez 09/07/2021
        • Nora 09/07/2021
    • ulilang kawayan 05/30/2018
  20. Anonymous 05/03/2018
  21. Unknown 07/23/2018
  22. Anonymous 07/26/2018
  23. Nora Tamba 07/28/2018
    • Jond Cyrd Dabuit 09/29/2018
    • Unknown 10/19/2018
  24. Avery RICARDO 08/12/2018
    • Nora Tamba 09/06/2018
  25. Unknown 08/24/2018
    • Nora Tamba 09/06/2018
  26. Unknown 09/05/2018
    • Nora Tamba 09/06/2018
    • Nora Tamba 09/06/2018
  27. Unknown 09/08/2018
    • Nora Tamba 09/29/2018
  28. Vinesse Fernandez 10/04/2018
  29. Unknown 10/19/2018
    • christina caoile 08/27/2020
      • Nora 08/27/2020
    • richelle laguerta 07/31/2021
      • Nora 07/31/2021
  30. Unknown 10/20/2018
  31. joy 11/20/2018
    • sophia 11/21/2018
  32. Mary Ann 12/02/2018
    • sophia 12/02/2018
  33. Maeli 01/09/2019
    • Nora Tamba 01/09/2019
    • Jennyta bravo 03/11/2021
      • Nora 03/11/2021
        • Norlyn navarro 03/19/2021
          • Nora 03/19/2021
          • Norlyn navarro 03/20/2021
          • Nora 03/26/2021
  34. Maeli 01/20/2019
    • Oreo 01/30/2019
  35. Precious 03/20/2019
    • Nora 03/20/2019
    • Nora 03/20/2019
  36. Jeraldine 03/20/2019
    • Nora 03/20/2019
      • Michelle 05/02/2019
        • Nora 05/02/2019
  37. Roel Ere 03/21/2019
    • Nora 03/21/2019
  38. May 03/27/2019
    • Nora 03/27/2019
  39. Steph 03/29/2019
    • Nora 03/30/2019
  40. inah 04/08/2019
    • Nora 04/08/2019
      • inah 04/08/2019
  41. Jagus 04/18/2019
    • Nora 04/19/2019
  42. Rochelle Mendoza 04/29/2019
    • Nora 04/29/2019
  43. Jonna 04/29/2019
    • Nora 04/30/2019
      • Jonna 04/30/2019
        • Nora 05/02/2019
  44. Salcedo Valera Alfredo Jr 05/02/2019
    • Nora 05/02/2019
      • Salcedo Valera Alfredo 05/02/2019
        • Nora 05/03/2019
  45. rkieru2 05/23/2019
    • Nora 05/25/2019
  46. Richard Ramirez 05/30/2019
    • Nora 05/31/2019
  47. mark 06/15/2019
    • Nora 06/16/2019
      • Demi 06/20/2019
        • Nora 06/22/2019
      • Ford 06/21/2019
        • Nora 06/22/2019
  48. Ritchel Rafols 06/17/2019
    • Nora 06/22/2019
  49. Jesa 08/04/2019
    • Nora 08/07/2019
  50. Analynn 08/06/2019
    • Nora 08/07/2019
  51. RINALOU 08/30/2019
    • Nora 08/30/2019
  52. cher 08/30/2019
    • Nora 08/31/2019
  53. Wina 09/22/2019
    • Nora 09/22/2019
  54. Lester 10/02/2019
    • Nora 10/06/2019
  55. Anna 10/04/2019
    • Nora 10/06/2019
  56. james 10/12/2019
    • Nora 10/13/2019
  57. TinTin 10/18/2019
    • Nora 10/18/2019
  58. Rovylyn 11/15/2019
    • Nora 11/16/2019
      • jovzz 11/17/2019
      • rovylyn 11/20/2019
        • Nora 11/23/2019
  59. jovzz 11/17/2019
    • Nora 11/23/2019
  60. Rose Anne 12/02/2019
    • Nora 12/09/2019
  61. Jermaine 12/31/2019
    • Nora 12/31/2019
  62. Den 01/16/2020
    • Nora 01/17/2020
  63. Kylie 01/20/2020
    • Nora 01/20/2020
      • Kylie 01/22/2020
        • Nora 01/23/2020
  64. Rex 01/25/2020
    • Nora 01/26/2020
  65. Aya 02/05/2020
    • Nora 02/05/2020
  66. Ephraim 02/11/2020
    • Nora 02/19/2020
  67. jake june ardiente 03/07/2020
    • Nora 03/08/2020
  68. jake june ardiente 03/07/2020
    • Nora 03/08/2020
  69. Claire 04/08/2020
    • Nora 04/08/2020
  70. Michael 04/15/2020
    • Nora 04/16/2020
  71. Jackie 05/04/2020
    • Nora 05/05/2020
  72. Jayvee Martinez 05/18/2020
    • Nora 05/30/2020
  73. Anonymous11 05/20/2020
    • Nora 05/30/2020
  74. Rizelle 05/30/2020
    • Nora 05/30/2020
  75. Viktoria Marie M. Yapparcon 06/13/2020
  76. Viktoria Marie M. Yapparcon 06/13/2020
    • Nora 06/13/2020
  77. leo 07/11/2020
    • Nora 07/11/2020
  78. Joey Monteza 07/23/2020
    • Nora 07/27/2020
  79. Sc 07/31/2020
    • Nora 08/01/2020
  80. cm 08/12/2020
    • Nora 08/12/2020
  81. Joy Flores 09/29/2020
    • Nora 10/03/2020
  82. Erjoe 10/10/2020
    • Nora 10/10/2020
      • Erjoe 10/10/2020
        • Nora 10/22/2020
  83. Carl 10/22/2020
    • Nora 10/22/2020
  84. Ailyn 10/25/2020
    • Nora 10/25/2020
  85. Ailyn 10/25/2020
  86. Ella Flores 10/30/2020
    • Nora 10/30/2020
  87. Justine Reyes 11/02/2020
    • Nora 11/03/2020
  88. Jem 11/04/2020
    • Nora 11/04/2020
  89. Angel 11/06/2020
    • Nora 11/06/2020
  90. Romelyn Nopia 11/14/2020
    • Nora 11/14/2020
  91. Paul llobrera 12/13/2020
    • Nora 01/21/2021
  92. Romely Nopia 01/01/2021
    • Nora 01/21/2021
  93. JoanaMay 01/21/2021
    • Nora 01/21/2021
  94. JoanaMay 01/22/2021
  95. ronmar 01/27/2021
    • Nora 01/28/2021
  96. Issa 01/31/2021
    • Nora 01/31/2021
      • Ken 02/23/2021
        • Nora 02/23/2021
        • Ken 02/23/2021
  97. ronmar 02/01/2021
    • Nora 02/19/2021
  98. Ella Samaniego 02/19/2021
    • Nora 02/19/2021
  99. Nek 02/24/2021
    • Nora 02/27/2021
  100. bailyn plang 02/24/2021
  101. bailyn plang 02/24/2021
    • Nora 02/27/2021
  102. bailyn plang 02/24/2021
    • Nora 02/27/2021
  103. Charles 03/13/2021
    • Nora 03/13/2021
      • Charles 03/13/2021
  104. Charles 03/13/2021
    • Nora 03/13/2021
  105. Charles 03/14/2021
  106. Nek 03/23/2021
    • Nora 03/26/2021
  107. Ann 04/02/2021
    • Nora 04/03/2021
  108. Marvin b. Corea 04/04/2021
    • Nora 04/04/2021
  109. ROSELYN REALES APOSTOL 04/07/2021
    • Nora 04/07/2021
  110. qwerty 04/09/2021
    • Nora 04/09/2021
  111. Rey 04/11/2021
    • Nora 04/12/2021
  112. Jay 04/13/2021
    • Nora 04/14/2021
  113. Jay 04/14/2021
  114. DJay Torres 04/18/2021
    • Nora 04/18/2021
  115. Renie Mae Buenvenida 04/21/2021
    • Nora 04/21/2021
  116. Ericka 05/01/2021
  117. carla 05/10/2021
    • Nora 05/10/2021
  118. Dianne Tenorio 06/02/2021
    • Nora 06/02/2021
  119. tine 06/09/2021
    • Nora 06/09/2021
  120. Julius 06/26/2021
    • Nora 06/26/2021
      • lyn 04/02/2022
        • Nora 04/03/2022
  121. Heidi 07/03/2021
    • Nora 07/03/2021
  122. Rome 07/03/2021
    • Nora 07/03/2021
  123. Shiela 07/08/2021
  124. Shiela 07/08/2021
    • Nora 07/08/2021
      • Sundo 07/12/2021
        • Nora 07/13/2021
  125. Mary annhebres 07/30/2021
    • Nora 07/30/2021
  126. Lei 08/02/2021
    • Nora 08/02/2021
  127. Marriden Siton 08/03/2021
    • Nora 08/03/2021
  128. RJ PARANGAN 08/10/2021
    • Nora 08/10/2021
  129. Alia 08/12/2021
    • Nora 08/12/2021
  130. Alexis 08/21/2021
    • Nora 08/22/2021
      • Gina 08/23/2021
        • Nora 08/24/2021
  131. Christian 08/30/2021
    • Nora 08/30/2021
  132. Apple Carreon 08/31/2021
    • Nora 08/31/2021
  133. Jamie 09/04/2021
    • Nora 09/04/2021
  134. Rachel 09/04/2021
    • Nora 09/04/2021
  135. llianya 10/03/2021
    • Nora 10/03/2021
      • Tine 10/25/2021
        • Nora 10/26/2021
  136. Ericka 03/11/2022
    • Nora 03/15/2022
      • Ericka 03/15/2022
        • Nora 03/22/2022
  137. Yeng 03/22/2022
    • Nora 03/22/2022
  138. Yeng 03/28/2022
  139. Jerome 04/23/2022
    • Nora 04/24/2022
  140. Me 06/05/2022
    • Nora 06/05/2022
  141. John 07/17/2022
    • Nora 07/17/2022
  142. mary ann 09/25/2022
    • Nora 06/17/2023
  143. mary ann 09/27/2022
  144. Sage 10/01/2022
    • Sage 10/01/2022
      • Nora 10/08/2022
  145. aa 11/19/2022
    • Nora 11/19/2022
      • aa 11/19/2022
      • Nora 11/19/2022
  146. aa 11/19/2022
    • Nora 11/19/2022
      • Nora 11/19/2022
        • aa 11/19/2022
          • Nora 11/21/2022
  147. aa 11/21/2022
    • Nora 11/28/2022
  148. JeromePajar 11/28/2022
    • Nora 11/28/2022
  149. Rosie Labrilla 12/09/2022
    • Nora 12/09/2022
  150. Cherry Mae Opleda 01/17/2023
    • Nora 01/17/2023
      • yanna 03/25/2023
        • Nora 03/25/2023
  151. jeffrey montoya 02/08/2023
  152. Rome 04/30/2023
    • Nora 05/01/2023
  153. Cheerrymie Cuizon 05/01/2023
    • Nora 05/01/2023
  154. Kaye 05/15/2023
  155. Kaye 05/15/2023
    • Nora 05/15/2023
      • Kaye 05/15/2023
        • Nora 06/02/2023
  156. MA. YLENA KRISTINA SANTOS REYES 06/02/2023
  157. ylena 06/02/2023
    • Nora 06/02/2023
  158. Denz 06/17/2023
    • Nora 06/18/2023
  159. Mai 07/21/2023
    • Nora 07/22/2023
  160. Jireh 08/01/2023
    • Nora 08/04/2023
  161. pawee 08/04/2023
    • Nora 08/04/2023
      • pawee 08/04/2023
  162. Nica 08/15/2023
  163. James 08/29/2023
    • Nora 08/30/2023
  164. marinelle sergio 10/06/2023
    • Nora 10/06/2023
  165. Jaja 11/30/2023
    • Nora 11/30/2023
  166. Dauntless 01/04/2024
    • Nora 01/04/2024
  167. Ahn 02/07/2024
    • Nora 02/08/2024
  168. Yooni 02/07/2024
    • Nora 02/08/2024

Leave a Reply