Updated May 9, 2024
Below-maintaining-balance penalty is the most common banking concern that account owners write to us.
There have been account owners who have seen their savings reduced by 600 pesos or 900 pesos or 1,200 pesos for failing to see on time that their account balances have fallen below the required balance.
There’s even one OFW whose account balance was reduced by 4,500 pesos! That’s 300 pesos x 15 months of falling below the required balance. This OFW did not know that the bank account’s maintaining balance requirement has increased. Two other OFWs lost 1,800 pesos and 3,500 pesos to this kind of penalty.
What Are the Common Reasons Why Account Owners Suffer This Penalty?
- They don’t know there’s such a thing as maintaining balance.
- They know there’s a maintaining balance requirement but are not able to maintain the required balance.
- They don’t know the required maintaining balance had been increased.
- They don’t know how the minimum average daily balance is calculated.
- They think the penalty is imposed only for one month.
Why Is There a Maintaining Balance Requirement?
Merong cost ang pag-maintain ng records of accounts sa systems ng bangko, like cost of payroll, computers, software, electric bills, etc. I-imagine mo kung karamihan ng accounts ay walang laman o konti ang laman. Ime-maintain pa ba nila?
Why won’t the banks shoulder this cost? Banks will say they are in business to make profits.
In the US, what they have is a monthly maintenance fee. Account owners pay a monthly fee to maintain their accounts. Common knowledge na hindi libre ang bank account, except yong mga nagpapa-promo. If they don’t like to pay this monthly fee, then they maintain a certain balance in their account. It’s the same cost concept. Ang difference lang sa atin is parang lumaki tayo thinking na libre ang bank account. At saka more often than not, nakakalimutan ng mga new account officers na i-emphasize yong maintaining-balance requirement. Ina-assume nila na alam na ng new account owner.
Can You Ask for a Refund of the Penalty?
Yes, you can ask, but most often, the bank won’t refund. Hindi nila tatanggapin yong rason na hindi mo alam, o hindi mo alam na ganun ang pag-compute.
But I think there are cases when you must complain and ask for a refund.
One case is when you’re an OFW, and the bank suddenly increased its maintaining balance, and you were not informed, and you lost some thousand pesos.
There’s a banking regulation that you must be informed of any change that will impact you financially. Under “Fees on Retail Bank Products/Services” of Part 2 of the Manual of Regulations for Banks, there is this rule:
“Complementary individual notices to a client shall be sent if the amendments pertain to or will result to fees to be paid or charged on the account of the client.”
Submit your complaint to the bank and request for a refund. Keep copies of your communication with the bank. You need these documents in case you decide to submit a complaint to the Bangko Sentral ng Pilipinas.
There are instructions here on how to ask help from the BSP. The BSP reiterates that you should talk first with your bank before going to them.
Ngayong marami nang nakakaalam na merong maintaining balance requirement, naging popular na ang mga:
No-Maintaining Balance Accounts
As people become familiar with maintaining-balance penalties, bank accounts like the following have become popular:
- Kabayan peso and dollar savings account
- Metrobank OFW peso and dollar savings account
- BPInoy savings account
- PNB OFW peso and dollar savings account
- Landbank
- Other banks’ OFW saving accounts
- Some kiddie accounts
- Some basic accounts
Here are Common Bank Account Products, Maintaining Balance Requirements and Below-Maintaining-Balance Penalty Amounts:
| Bank | Account Product | Maintaining Balance Required | Below-Maintaining–Balance Penalty per Month |
| BDO | Kabayan Peso Savings | 0** | |
| BDO | Kabayan Dollar Savings | 0** | |
| BDO | Peso Passbook Savings | 10,000 | 300 |
| BDO | Peso ATM Savings | 2,000 | 300 |
| BDO | Power Teens Club | 2,000 | 300 |
| BDO | Optimum Peso Savings | 30,000 | 300 |
| BDO | Prime Savers | 2,000 | 300 |
| BDO | Dollar Savings | $500 | $5 |
| BPI | Express Teller Savings | 3,000 | 300 |
| BPI | Passbook Savings | 10,000 | 300 |
| BPI | Jumpstart Savings | 1,000 | 300 |
| BPI | Express Dollar Savings | $500 | $5 |
| BPI Direct | Express Teller Savings | 500 | 250 |
| BPI Direct | BPInoy Savings | 0**** | |
| Metrobank | Debit/ATM Savings | 2,000 | 300 |
| Metrobank | Passbook Savings | 10,000 | 300 |
| Metrobank | Dollar Savings | $500 | $10 |
| Metrobank | Fun Savers | 500 | 300 |
| Metrobank | OFW Peso Savings | 0** | |
| Metrobank | OFW Dollar Savings | 0** | |
| Landbank | ATM Peso Savings | 500 | 200 |
| Landbank | Regular Passbook Savings | 10,000 | 200 |
| PNB | Superteller ATM Peso Savings | 3,000 | 300 |
| PNB | Debit Mastercard | 3,000 | 300 |
| PNB | Passbook Savings | 10,000 | 350 |
- NOTES:
- * Penalty is charged on the last business day of the 2nd consecutive month your account fell below the required maintaining balance
- ** To maintain your BDO Kabayan account, you need to send money from abroad to your account at least once in 24 months.
- After 24 months of no foreign remittance to your BDO Kabayan account, your account is converted into a regular ATM account, and you’ll need to comply with the maintaining-balance requirement. Ang required maintaining balance ng BDO ATM account is 2,000 pesos. If you fail to maintain for 2 consecutive months, and your account balance is not enough to pay the 300-peso penalty, your account will automatically close.
- *** BPI Easy Saver has no maintaining balance requirement, but you pay 5 pesos for every ATM withdrawal and ATM balance inquiry. Itong BPI Easy Saver na naging BPI KAYA ay hindi na ino-offer effective April 20, 2020. Pero yong mga meron na nito prior to April 20, 2020 ay continuous pa rin nilang ma-enjoy ang mga advantages nito.
- ****BPInoy Savings Account has no maintaining balance requirement, but you need to send money to your account at least once every 3 months.
Can I Dispute a Below Maintaining Balance Penalty?
“Hi po, the below maintaining balance penalty, can this be disputed? Especially if you were not informed about it. Where do you see this information about the penalty? Is it on the application form? Thank you.”
Yes, you can dispute it.
But if you were penalized for just one month or two months (300 pesos or 600 pesos), I think it’s not worth your effort and time. Now that you’ve come to know about this penalty, just accept that there’s such a thing as below-maintaining-balance penalty, and banks are authorized to charge it, and remember it, and then fix your account.
How to fix your account?
Deposit more money into your account, and maintain the required minimum maintaining balance.
Or you can close your account (withdraw all that you can withdraw via the ATM, or you can withdraw up to the cents and few pesos over the counter), and open an account with a lower maintaining-balance requirement.
Why Is It Not Worth the Effort to Dispute?
The disputed amount is small. It’s not worth your time, your effort and your stress. Besides, the bank will always win.
The requirement to maintain the minimum monthly average daily balance (MADB) in your account is stated in your bank’s Terms & Conditions. You signed this document when you applied for your account.
Here are excerpts from BPI and BDO’s Terms & Conditions (Other banks have similar Terms & Conditions):
8. Minimum Account Balance
You shall maintain account balances at the agreed/required monthly average daily balance (ADB) computed as follows:
ADB = (Day 1 ending balance + Day 2 ending balance …+ day 30/31 ending balance) /
(No. of days in the month i.e. 30/31 days)
You acknowledge that you are at all times aware of the required minimum monthly ADB, the service charges, maintenance fees, dormancy fees and penalties applicable for various types of Accounts, products, services, facilities and channels, as the case may be, as well as any amendments, revisions or modification thereto, which fees, charges and penalties are available to you upon request or through various channels of the Bank or are published, displayed, advertised, posted in the ATM on-screen messages or such area near the Bank’s ATM or in conspicuous places within the Bank’s premises and/or posted in the Bank’s website, whichever is applicable, all of which are made integral parts hereof.
The Bank may impose and collect service charges and/or maintenance fees on Accounts, whether active or dormant, where the Account balances: (i) have fallen below the required minimum monthly ADB, for dormant accounts; and (ii) have fallen below for at least two (2) consecutive months, for active accounts. Any Account with zero balance, regardless of status, may automatically be closed by the Bank without notice.
I. Opening of Accounts
The Depositor shall maintain the required Average Daily Balance (ADB) as the Depositor
may be notified by BDO from time to time. A service fee shall be charged if the account
falls below the required ADB.
VII. Service and Other Bank Charges
BDO is authorized to collect from the Depositor all applicable service charges, penalty
charge and other fees the account may incur. BDO reserves the right to impose new
service and maintenance charges and change existing charges from time to time within
the limits allowed by law or pertinent regulations.
BDO, without need of prior notice, is authorized to deduct all such charges and fees from
the account without incurring any liability therefor not limited to any loss, damage,
cost
or expense arising from or in connection with the dishonor of checks, drafts, notes or
other instruments because of insuffi cient funds as a result thereof.
Another thing: The bank officer who assisted you in opening your account will always insist “I told you about it. We always inform our new account owners about maintaining balance requirement,” even if she/he forgot to warn you about below-maintaining-balance penalties.
This is the BSP regulation about maintaining-balance penalties:
Banks may impose and collect service charges and/or maintenance fees on savings and demand deposit accounts, whether active or dormant, that fall below the required minimum monthly average daily balance (ADB), subject to the following conditions:
a. the imposition of such charges or fees is clearly stated among the terms and conditions of the deposit;
b. the rate or amount of such charges or fees is properly disclosed among the terms and conditions of the deposit;
c. the deposit account balances have fallen below the required minimum monthly ADB for dormant accounts and for at least two (2) consecutive months for active accounts;
d. the required minimum monthly ADB of deposits are properly disclosed among the terms and conditions of the deposit
When Is It Worth It to Dispute a Below-Maintaining-Balance Penalty?
When the amount is in the thousands, and
when the penalties arose from a change in the minimum maintaining-balance amount, and
your address in your bank records is still your current address, and
you never received a notice declaring a change in the minimum maintaining-balance-amount.
BSP requires that you must be notified in case of changes in the minimum maintaining balance, so you can use this in your complaint.
What Is Maintaining Balance or Monthly Average Daily Balance (MADB) in Bank Accounts?
How to Compute Monthly Average Daily Balance
Banks Should Notify Every Depositor About Maintaining-Balance Increase
Ha? Closed na ang account ko at wala na yong pera ko? Malaki rin ang 9,000 pesos ah!
A number of OFWs have commented on our blogs expressing their shock upon finding out that their savings accounts had been closed and their money wiped out due to below-maintaining-balance penalties.
They did not know that the maintaining balance requirement for their type of account had increased. This has been specially true for OFWs who work abroad in areas far from commercial centers.
The BSP has specific regulations requiring banks to inform account owners about changes related to service charges and bank fees.
We’ve been enjoying free emails for decades now, so there’s no reason why banks can’t use emails to inform their account owners about changes in their policies that have direct impact on depositors.
Excerpts from the BSP Manual of Regulations for Banks (MORB)
X263.1 Amendments to terms and conditions for the imposition of service charges/fees.
Part II — Page 41
Any change in the terms and conditions for the imposition of service charges and/or maintenance fees, e.g., increase in the amount of such charges and fees or increase in the required minimum monthly average daily balance of deposits, shall take effect only after due notice to the depositor:
Provided, That information by regular mail, statement of account messages, electronic mail, courier delivery and/or other alternative modes of communication on the depositor’s last known address at least sixty (60) days prior to implementation shall be considered sufficient notice:
Provided, further, That failure of the depositor to manifest or register his objection to the new service charges and maintenance fees or any change in their terms and conditions in writing within thirty (30) days from receipt of written notice of amendment shall be deemed to constitute acceptance of such changes, for purposes of this Subsection.
Banks shall likewise post said information on their respective websites, Automated Teller Machine on-screen messages, and in conspicuous places within the bank premises and other places near the bank’s own Automated Teller Machine at least sixty (60) days prior to implementation.
Sec. X263. Service and Maintenance Fees
Page II — Pages 40 to 41
Banks may impose and collect service charges and/or maintenance fees on savings and demand deposit accounts, whether active or dormant, that fall below the required minimum monthly average daily balance (ADB), subject to the following conditions:
a. the imposition of such charges or fees is clearly stated among the terms and conditions of the deposit;
b. the rate or amount of such charges or fees is properly disclosed among the terms and conditions of the deposit;
c. the deposit account balances have fallen below the required minimum monthly ADB for dormant accounts and for at least two (2) consecutive months for active accounts;
d. the required minimum monthly ADB of deposits are properly disclosed among the terms and conditions of the deposit; and
e. in the case of charges and fees for dormant accounts or dormancy fee, the period of dormancy as prescribed under Subsec. X185.12 shall be properly disclosed among the terms and conditions of the deposit, and that the depositors shall be informed by registered mail with return card or Proof of Delivery (POD) service of the Philippine Postal Corporation and other mail couriers on his last known address at least sixty (60) days prior to the imposition of dormancy fee.
Said Proof of Delivery Receipt will be accomplished upon the addressee depositor’s receipt of the letter, with the postal personnel or courier required to obtain and safekeep a copy of the signed POD, for submission to the sender/bank.
The PhilPost system likewise employs a Delivery/Monitoring Report that tallies the number of mails with POD received, delivered and returned per client/bank, indicating the name of the letter carrier, his signature and date signed.
Said POD and Delivery/Monitoring Report may be system generated by the bank so as not to rely on the manual inscription of the required information by the PhilPost and/or other mail courier personnel.
Regardless of the forms adopted by the PhilPost and/or other mail couriers, the proper implementation of the POD service requires as a minimum, that the following information be stated clearly:
(1) name and address of the addressee/ depositor;
(2) actual date of delivery/receipt;
(3) name and address of sender/bank; and
(4) name of recipient and relationship to the addressee/depositor.
Banks which erroneously charged service or maintenance fees shall reverse or credit back the amount of such charges to the respective deposit accounts that meet the required monthly ADB, within three (3) months from 03 June 2011.
Depositors whose accounts were erroneously charged with these fees since 23 June 2005 but whose deposit accounts have since been closed shall likewise be given appropriate notices sent to their last known mailing address.
Notices on the proper interpretation of the regulations on the imposition of service charges and maintenance fees on deposit accounts shall likewise be posted in conspicuous places within the premises of all banks. (As amended by M-2011-030 dated 03 June 2011)
How to File a COMPLAINT
If you lost a fairly big amount, and you believe the bank violated the above regulations, you can do this:
1. Write a letter of complaint to your bank. State your account name and account number, the amount that you lost, penalty cited, debit dates, and request it to be credited back to your account. State why you believe the penalties should not have been imposed on your account. Cite the exact regulation in the above MORB Section.
2. Present your letter of complaint to your bank and have it received. Request to talk to the manager. Be calm and polite but be firm.
3. If the bank does not help you with your concern, you can ask help from the Financial Consumer Affairs Group (FCAG) of the BSP.
The FCAG says that you may send your written complaint through postal mail, email, fax or you may go to the FCAG office at the BSP Complex along Mabini St. in Malate, Manila.
You can be helped better if you can give FCAG the following:
– Complaint letter (types or legibly printed)
– Telephone number/s where you can be reached during the day
– Detail of the issues being raised
– The resolution you are requesting
– Duly received copy of the letter of complaint sent to the bank and the bank’s reply, if any
– Copies of supporting letter or other documents that would substantiate or prove your claim
For more information about pursuing your complaint, go to the BSP Financial Consumer Affairs Group page.
Good Day.
I just want to ask if my account is still on a below maintaining balance for almost 6 months, do I need to pay all the charges for 6 months before ko magamit siya again.
Thank you for your time and asking your assistance for this matter .
Hi Meljen, if your account is already closed, you can reactivate it if it’s BPI or any other bank that allows reactivation, and yes, you will pay all the monthly penalties before it is reactivated. But if it’s BDO, and your account is already closed, BDO does not allow reactivation – it allows opening a new account.
What if my bank account is not yet closed, I tried putting on an amount of 4000 and it stayed for a month there, BPI have not deducted any penalties yet, I have to zero it again today, the maintaining balance should be 3000 but for more than six months, I zeroed it before putting the said 4000
Hi Yce, when you said your 4k deposit stayed for a month, did you mean it stayed through the end of the month and the first day of the next month? They usually deduct penalties on the last business day or the first business day of the next month. It’s great if BPI did not deduct anything even if your account was zero for 6 months. I asked a BPI officer before about this, and she said they do deduct penalties when there’s a new deposit after having been temporarily closed because of zero balance. But maybe they’ve changed their policy, I’m not sure. There’s a BPI Kaya maintenance-free account if you like.
What if i withdraw all of maintaining balance at metrobank atm to zero, is that mean my account is already close? Or i can still have it as long as i pay the 300 peso penalty
Hello I have 3accounts in Metrobank when I told them that I will close it they told me that mag iwan daw ako kahit cents Kaya d nila tinatakan ng account closed, almost 7years na ngayon so my penalty pa Rin ba ako Doon ?this is my concern wala Naman akong narecieve na kahit anong letter galing sa kanila may mga penalties pa Rin ba akong babayaran pag I cloclose ko na ung mga 3accounts ko na yon m,maraming salamat po Sana matulungan nyo po ako
Hi Medy, maraming taon na ang lumipas, so closed na yan lahat, noon pa. Don’t worry about these accounts. It’s their fault kasi kino-close mo na eh they didn’t close them. If you ever receive letters about penalties, don’t pay anything. Kasi meron akong nababasa ring ganyan — and it’s a mistake in their system lang. Usually ang bank account, once na zero balance na or negative, automatically closed na. Yong sa yo, nag-penalty yon after 2 months, then na-close automatically kasi nag-negative
Hi miss nora,ung dakin 6months na po below maintaining balance last may po -900ph tapos i checked following month of june nagzero balance na po. Close na po ba account na yun or pwede pa basta bayaran ko yung penalties
Hi Maricel, did you mean nagamit mo pa ang atm card mo to check? That means the bank has not closed your account despite the balance being zero. Kung BPI ito or other bank that did not close your account, yes, puede mo pang ireactivate by paying penalties. Kung BDO, hindi na, open ka ng new account after 6 months.
Ask ko lang po kung halimbawa yung maintaining balance po na 2k mabawasan ng 1k magcoclose po ba agad pag metrobank or magpepebalty lang po? Thankyou po!
Hi Lindy, meron pang balance so hindi pa ma-close. Hindi pa ma-penalty kasi ngayong August ka pa lang mag-below maintaining balance. Dapat sa Sep, i-maintain mo ang account mo para hindi 2 consecutive months na below maintaining balance. Starting Sep 1, dapat meron ka nang 2k sa account mo, at dapat nasa account mo ang 2k everyday from Sep 1 to Sep 30.
For metrobank ATM account po, ask ko lang po. Kapag po ba nabawasan ng 1k ang 2k maintaining balance and sa sept 10 pa maibalik, may penalty na po ba agad?
Hi Cheska, wala munang penalty, basta last August ay na-maintain mo ang account mo, meaning merong 2k sa account mo everyday of August. Hindi mo man ma-maintain ang account mo this September, pero na-maintain mo last August, okay lang. Pero kung hindi mo uli ma-maintain ang account mo in October, magpepenalty ka sa Oct 31, kasi hindi mo na-maintain ang account sa 2 magkasunod na buwan (Sep and Oct)
Service Charge:
Coverage: Accounts falling below ADB requirement for two (2) consecutive month-end and every month-end thereafter.
Collection – Monthly to start at the end of the 2nd month
Dun po ba sa service charge, kung isang month pa lang na hindi mo na-meet yung required ADB, hindi ka mababawasan?
Hi Lav, yes, you’re right, wala pang bawas kapag isang month ka pa lang na below the required ADB.
What if po ung metrobank savings acct na nagpenalty na tas di mo binayaran magclose ba un or magcontinue lang ung penalty? and Ano po dapat gawin dun sa acct?
Hi Chu, dapat automatic close na ang account kapag zero or negative na ang balance. At wala ka nang obligation to pay any penalty. Wala namang banking rule na we have to close our account in person. Ilang beses na rin akong naka-receive ng comments about Metrobank na gaya sa iyo. Metrobank lang. So siguro merong type of account ang Metrobank na hindi automatic ang closure. Payroll account ba ang account mo?
Hi ask ko lang sa Metrobank atm account kasi last January 2020 nag deduct sila 300 pesos. So okay lang nag below minimum ako. Pero hinulugan ko sya this February para umabot na sya sa minimum amount. Pero pagcheck ko ulit this March nag deduct nnman sila ng 300 pesos. Bakit kaya nagdeduct ps sila eh lagpas naman sa mimum amount ung hinulog ko nung feb? Thank
Hi Aj, siguro nagdeposit ka middle of February na. Sana nagdeposit ka Feb 1, para every day of February (from Feb 1 to 29) ay enough yong balance to maintain your account. Ganito ang computation: Add account balance everyday. Balance of Feb 1 + balance of Feb 2 + balance of Feb 3, and so on, hanggang balance of Feb 29, then yong total ay i-divide mo by 29. Yong result ay dapat equal or more than maintaining balance. Ngayong March, lakihan mo ang idagdag mo kasi March 8 na.
Hi may concern po ako. Nag withdraw ako sa metrobank last august tapos di na abot yung maintaning balance hanggang ngayon. Kung huhulugan ko po ngayong decembe 1. May penalty napo ba?
Hi Deanna, kung below maintaining balance ka noong August and September, nabawasan ka na ng penalty noong Sep 30, at nabawasan ka uli ng penalty noong October 31 at noong November 27 (weekend at holiday na kasi ang end of Nov). 300 pesos usually ang penalty. 300 x 3 months = 900 pesos. Kung lower than 900 pesos yong naiwan na balance, nag-negative na ang account mo, at malamang nag-automatically closed na. Subukan mong mag-balance inquiry sa Metrobank atm para makita mo kung ano na ang status ng account mo.
Hi po, ask ko lang po pano po may nacharge ako ng service fee (300pesos) nung march 31 dahil 1000 pesos lang laman ng account ko sa metrobank so 800 nalang po laman niya. Pero nilamnan ko napo siya ng 2400 pesos and ang total napo niya is 3200 magkakaservice charge papo ba yun next month. April 3 ko na po siya nalamanan ng 2400.
Hi Kristoffer, kung hindi ka na magwidro, hindi ka na mag-penalty this April 30. Magiging more than 2k na ang magiging average daily balance mo for April. Computation of average daily balance: Add daily balances: 800 x 2 days = 1600, plus 3200 x 28 days = 89,600
89,600 + 1600 = 91,200
91,200 / 30 days = 3,040
3,040 ang magiging average daily balance mo for April, which is much more than the required 2k maintaining balance.
Hi po tanong ko lang po para po sa atm sss pensioner 100 po need maintaining balance pag sa metrobank pano po pag ang natira lang eh 60 pesos po? Ok lang po ba yun? Wala po bang magiging problema pag dumating yung next na pension nya? may penalty po ba pag pumasok uli yung next month na pension nya? Thank u po sa sasagot?
Hi Sheryl, kung ngayong January lang na less than 100 pesos yong natira, wala pang penalty. Kapag dumating yong pension sa February at madwidro, mag-iwan ng at least 100 pesos sa account para walang penalty.
Hi china bank passbook savings account, pano po pag winithdraw kona ung 5000 pesos , na maintaining balance… at wala na po akong balak
mag continue., ung penalties po ba ay lalaki, hahabulin pobako ng penalties? or mag cloclose account napo sya tuluyan?
Hi tine, kung meron nang one month or more mula nang inopen mo ang account mo, at wala ka nang balak ituloy pa, iwidro mo na lahat ang pera mo (sa China Bank atm para walang withdrawal fee). Puede rin sa over the counter para makuha mo lahat pati cents or few pesos. Ang gawin mo ifill-up mo yong withdrawal slip, pero do not put the amount yet. Tell the teller na “puede pong pakicheck muna kung magkanong balance kasi iwiwidro ko na lahat at ikoclose ko na.” Kapag wala pang one month, huwag mo munang i-close kasi it’s possible na ihohold nila yong 300 pesos for penalty (closing account in less than 30 days from opening date). Kung ok lang na hindi mo na makuha yong few pesos exceeding 5k, puede mo nang iwidro yong 5k mo sa atm (China Bank para walang withdrawal fee). Mag-automatic close na yan once mag-zero or negative balance after 2 months, at wala kang liability at walang reason na hahabulin ka.
Hello mag withdraw Kasi ako ng 500 pesos ngayom sa Atm metrobank ko eh nasa 2,150 nalang iyon pero ibabalik ko din next month may penalty na ba yun agad?
Hi Pat, kung next month ay 2nd consecutive month na hindi mo ma-maintain, yes, meron kang penalty on the last business day of February. Kung 2150 ang balance mo from Jan 1 to 26 and 1650 ang balance mo from Jan 27 to 31, your average daily balance will be 2069.35, which is more than 2k, so maintained mo ang for January. Kung hindi mo ma-maintain ang February, dapat on March 1, meron ka nang 2k or more sa account mo, and maintain it everyday from March 1 to 31 para hindi ka below maintaining for 2 consecutive months.
Good day po ask ko lang po nag open po ako ng account sa metrobank na may 2k balance nong nag balance inquire ako sa atm hindi syo lumalabas at langing error or naka lagay na inactive . Hindi po ba pwedi eh balance inqure yung maintaining balance?
Thank you !
Hi Evo, puedeng magbalance inquiry basta active ang account, kahit 2k lang ang nasa account or kahit 100 pesos na lang. Puedeng merong glitch ang atm machine, or puedeng yong metrobank system sa time na nag-inquiry ka. Ngayon ka lang ba nag-open? Try mo uli bukas. Kung matagal ka nang nag-open, nag-balance inquiry ka ba noon sa atm ng ibang bank? Kasi puedeng nabawasan ng 12 or 15 pesos ang balance mo for atm witdrawal fee (atm of another bank), so less than 2k na siya, at kung 9 or 10 months nang less than 2k, naubos na sa below-maintaining penalty yong balance mo.
Hi po from BPI account po ask kolang po I have maintaining balance na 3k
By April 10 may madedebit from my account na 1500 so mababawasan Yung maintaining balance ko hanggng kailan po ba walang penalty. At need mabalik Yung nabawas na 1500 para hindi ako magka penalty.
Hi Loreanne, dapat maibalik mo yong 1500 by April 30 or May 1 and make sure 3k or more ang balance everyday from May 1 to May 31, para yong month of May ay maintained ang account mo, kahit hindi maintained yong month of April. Merong penalty kapag 2 consecutive months ay hindi mo na-maintain ang account mo. Kapag hindi na-maintain ang months of April and May, merong 300 penalty sa May 31. Meron uling penalty sa June 30 kapag hindi maintained sa months of May and June.
Hello Po, Ano Po mangyari sa account ko kasi dapat yung maintaining balance ko 2,000. Ngayon 1,995 na lang ma closed ba agad?
Hi Angelika, hindi ma-close. Active pa ang account mo. If you can, deposit 100 pesos on Monday para ma-maintain ang account mo this month of April. Kung di puede Monday, ask mo ako uli kung kelan ka makadeposit ng how much para ma-compute ko kung ma-maintain ang account.
Hi ask ko lang BPI regular savings account. Kapag po ba winithdraw ko ung maintaining balance ko at nag stay syang zero for ilang months. Tapos may nareceive ako na pera sa account ko mawiwithdraw ko po ba ulit yun without paying the penalty. Plan ko iwithdraw before the end of the month. Thank you
Hi Mark, huwag dapat mag-zero ang balance mo kasi automatic na ma-closed account once ang account ay nag-zero balance. Dapat mag-iwan ka ng few pesos. Kung meron kang inaantay na deposit, magdeposit ka ng 350 pesos kada one day before last business day of the month para merong makuha kapag ideduct nila yong 300-peso penalty starting from the 2nd consecutive month na hindi mo na-maintain ang account mo. Dapat merong naiiwan na few pesos after nila magdeduct ng 300-peso penalty para hindi ma-closed automatically. O kung matagal na hindi mo ma-maintain ang account, kung puede ask your sender na For Cash Pickup na lang ang padala niya, hindi For Deposit.
Maam na withdraw po accidentally ng pamangkin ko ang 2k na maintaing balance ngayon.nagpadala po asawa ko papasok pa din ba yung padala kahit 500 nalang natira sa atm ko?…salamat po
Hi Relyn, yes, papasok yong padala ng asawa mo, kasi active pa ang account mo, kasi meron namang naiwan na 500 pesos sa account. Kung halimbawa walang naiwan, at naging zero, automatic ma-close, at hindi na makakatatanggap ng padala kasi closed na. Dapat laging merong maiwan na amount at iwasan yong hindi ma-maintain ang account sa magkasunod na 2 months, kasi magkakapenalty ng 300 pesos sa last business day ng 2nd consecutive month na hindi na-maintain.
Hello po, kelan po kya ulit ako mkkaltasan NG 300 sa metro bank Kung mula po March eh hnd ko na nalagyan ung account ko.. Kc 1900 po Yun tapos pag check ko 1600 nalang. Eh June na po ngayon.. Hnd ko PA po ulit madepositohan Para maging 2k. Salamat po
Hi Malen, sa June 30 ka uli makakaltasan ng 300. at kung hindi mo pa rin magawang 2k ang balance starting July 1, mababawasan uli ng 300 on July 30. Nagbabawas sila either last business day ng month (end of day) or first hours ng next month. Para wala nang bawas sa July 30, magdeposit ka para maging 2k on July 1 (morning) or mas mabuti, before July 1. Kung ok sa iyo ang digital account, merong Komo or GSave ng CIMB (puedeng mag-open through GCash) or ING or Tonik — walang maintaining balance. I-download mo lang from Google Play or Apple store then upload your ID images and selfie. GSave siguro yong the best as of now, kasi linked sa GCash, although merong mga promos yong Tonik.
Kung mkpagdeposit po ba ako before June 30 mababawasan pa din NG 300.? Salamat po
Hi Emalyn, sad to say, yes, mababawasan ka pa rin, kasi dapat from first day of the month, every day, up to the end of the month, ang balance mo ay 2k. Except lang kung malaki ang idedeposit mo sa last few days of the month para kung mag-compute sila ng average daily balance ay 2k or more pa rin ang lalabas. Halimbawa, kung 1,600 ang balance mo every day from June 1 to June 28, kelangan mong magdeposit ng 6,000 sa June 29 para ang average daily balance mo for June is 2k.
28 days x 1600= 44,800
2 days x 7,600 = 15,200 (7,600 ay galing sa 6k + 1,600)
44,800 + 15,200 = 60,000
60,000 / 30 days = 2k
Hi ask ko lang po, if account balnce is 350 and nagtransfer ako ng pera to my bank account ng 1300(thru online), and I want to withdraw it using atm card po, mababawasan po ba ung 1300 na natransfer ko since below maintaining balance bank acc ko?
Hi Alyzza, yong 350 ba na account balance mo ay ngayon mo nakita? If yes na ngayon, hindi mababawasan yong 1300 na idedeposit mo then iwiwidro din today or tomorrow, kasi ang pagbabawas ng below-maintaining-balance penalty is on the last business day of the month.
Ask ko lang po, may 2k maintaining balance po ATM ko, hindi po ba siya magco closed kahit matagal na walang naidedeposit??.salamat..
Hi Dades, okay lang na hindi ka nagdedeposit, pero dapat hindi abutin ng 24 months na walang deposit o withdrawal, kasi mado-dormant or mafi-freeze. Pag dormant, hindi mo magamit. Magiging active lang uli siya kapag punta ka sa branch mo to reactivate with your IDs. Ingatan mo rin na mag-balance inquiry sa atm ng ibang bank kc merong fee at mababawasan ang balance mo — akala mo meron ka pang 2k sa account, yon pala less than 2k na at meron nang penalty on the 2nd consecutive month na below maintaining balance.
Good day po. Sana masagot po itong concern ko. So, nagbank transfer po ako from gcash to metrobank pero hindi nagpush through. Nakareceive naman po ako ng confirmation text from gcash na successful yung transaction. Pero bakit po ganun? Hindi nagreflect yung pera sa metrobank ko? Hindi po ba real time na napapasa kapag gcash to metrobank bank transfer transaction? Or nagkaerror lang talaga? If error po, ilang araw po kaya bago magreflect sa metrobank ko yung pera? Thank you po sa sasagot.
Hi Leslie, real time dapat ang transfer. Tsinek mo uli yong Metrobank account number na in-enter mo? Kung tama naman, baka meron lang glitch at make-credit na mamya.
Thank you po. Nareceive din po after 30 mins.
Hi Leslie Ann, thank you for sharing your banking experience. Ang ibig mo bang sabihin ay na-receive rin yong atm card mo after 30 mins? Yong ET BNET Prepaid, puedeng ang meaning is electronic transfer Bancnet prepaid. Puedeng meron kang na-transfer online sa Bancnet-member bank at 100 pesos ang charge. From Metrobank’s list of charges, merong 100-peso charge for online transfer to another bank via Pesonet. Yong pagwidro sa RCBC atm naman is around 15 pesos ang charge.
About maintaining balance: Wala ka namang na-share na nabawasan ka ng 300 pesos last Sep 30 or Oct 1, so it means na-maintain mo ang account mo last August and September. Ang below-maintaining balance penalty is charged kapag dalawang magkasunod na buwan ay hindi mo na-maintain. Nacha-charge sa last business day ng 2nd month na hindi na-maintain.
Maraming salamat po. Nakain po yung card ko sa atm machine ng RCBC. Ano pong advisable na gagawin? Mag-weekend na po kase nung nakain yung card kaya hanggang ngayon hindi pa kame nakakapunta sa metrobank or rcbc office. Thank you po. Sana masagot ulit. God bless!
Hi Leslie Ann, bukas pumunta kayo doon sa RCBC branch na malapit doon sa atm na ginamit nio at irequest nio lang na i-retrieve yong nakain na atm card mo doon sa atm nila. Show your IDs at kung meron kayong slip na nakuha sa atm.
Good day po. Sana masagot po concern ko. Aksidente pong nabawasan yung maintaining balance ko na 2k nung August 6 at nalagyan po agad agad at naging 2k+ ulit balance. Then, ngayon ngayon lang (October 1) nagwithdraw po yung pinsan ko sa ibang atm which is RCBC and alam ko pong sakto lang ang winithdraw nya na hindi napapakialaman yung 2k na maintaining. Kaso po may nabawas na 100. ET BNET PREPAID yung name ng transaction. Diko po alam if anong transaction yun. So, hindi ulit namaintain ngayong October pero nalagyan ulit agad agad. Magkakapenalty na po ba ako nyan? Another question is hindi na po mailabas yung metrobank card ko sa atm ng RCBC 😞 ano po kayang nangyari? Ano po gagawin ko? Huhu salamat po. God bless.
Hi metrobank here, if babawasan ko yung maintaing balance ko ng 1k may possiblities po ba na mag penalty ormag close?
Hi Aiza, hindi mag-close kasi meron pang natira. Make sure na hindi 0.00 ang balance para hindi mag-automatic close. Kung first month mo na hindi ma-maintain ang account mo, wala ka pang penalty, pero kung 2nd consecutive month (magkasunod na buwan) na hindi mo ma-maintain, magkaka-penalty ka na ng 300 pesos sa last business day of the 2nd month na hindi maintained.
Magandang araw po.. Tanong ko lang po may fun savers club passbook po ang anak ko.. then inopen ko po yun nung MARCH 16 .. 1000 po yung dineposit ko .. then until now di na po ko nakapag deposito ulit .. Sa may 16 ko pa ulit malalagyan.. May penalty charge na po ba yun ? I mean mababawasan na po yung 1000 na dineposito ko nung nag open ako ng account? maraming salamat po sa sagot😇
Hi Maria, I checked Metrobank’s website at nakita ko na ang maintaining balance ng Fun Savers is 500 pesos. Ibig sabihin maintained ang account ng anak mo dahil 1k ang balance. Walang penalty. Nakita ko rin don na mag-umpisa lang na mag-ipon ng interest kapag meron nang 4k na laman.
Hello. Metrobank users here! this month of (April 30) nag deduct ng P300 ang Metrobank to my account which is okay lang kasi below maintaining balance din naman po yun and last business day. But my concern now is, If lagyan ko po ng P2K or more than P2K yung ATM ko this coming June 1, 2022, are still they going to deduct penalty from account po? Thank you in advance!
Hi Dee, sorry very much delayed ang response ko. Siguro natanong mo na yong bank. Na-penalty ka noong April 30, so kung hindi ka nagdeposit ng 2k or more noong May 1, meron na uli 300-peso penalty noong May 31.
Hello po, sana masagot. So I have a payroll acc and it switch na pala sa savings acc and I didn’t know it untik I had a service charge, so may laman po na 150 iyong atm ko and then -150 na ngayon dahil sa service charge, paano po ba maibabalik sa dati? paano malalaman kung deactivated na siya or what?
Hi Kris, maibabalik lang sa payroll account status kung gagamitin mo uli as payroll account. Maaaring hihingan ka ng letter from your employer. Hindi pa deactivated kung nakikita mo pa via atm or online banking. Kung gusto mo siyang i-maintain as savings account, magdeposit ka ng maintaining balance (depende sa bank, kung BDO, 2k; kung BPI, 3k; kung Metrobank, 2k) at bayaran mo yong 150. 300 pesos ang monthly penalty fee pag hindi maintained ang account. Kung ayaw mo na yong account, call or go to the bank to close the account. Huwag mo nang bayaran yong 150, sabihin mo lang na i-close mo na yong account.
hello po tanong ko lang po 500 nalang natira sa savings ko last withdraw ko is aug 3, then pagcheck ko nung september cant process napo lagi nkalagay..pede ko pa po ba i continue yun for savings?
Hi Jennevy, kung lower than 2k ang laman ng account mo noong month of July, at 500 na lang ang laman noong month of August, nagka-penalty ka na ng 300 pesos noong August 31. Hinold na nila yong 200 pesos noong September para sa penalty mo for September. Closed na dapat ang account mo. Pero baka merong change na sa kanilang policy, dahil “can’t process” ang sagot sa ATM screen, instead of “account closed,” punta ka na lang sa branch mo at tanungin kung closed na, at kung puede pang ireactivate.