atm, passbook or both?

[majika7777]

I prefer both. Gusto ko kasi may nakikitang hardcopy ng savings ko kaya gusto ko rin ng may passbook 

[ana mimi]

after having an atm, parang trip ko nalang na mag ;passbook.

ang gastos ko kase. laging simot ang laman ng atm ko. huhu

[RAC]

so if i am only an ATM holder (no passbook), hindi ako pwedeng mag-withdraw over the counter? or pwede pa rin?

[rinapie]

Buti nakita ko ito. Namimili din ako kasi kung atm or passbook.

[larxy]

both
atm - easy to withdraw. you can get your money anytime.
passbook - not easy to withdraw. helps you to minimize impulse buying

[mikegee]

From my own experience, If you are saving, don't get an ATM, passbook nalang. But if you are somewhat financially secure already, an ATM would be good.

I had around 100k at the bank, thought I'm good at my business already so I got an ATM... That account is closed now, zero, wiped out. I opened a new account and just have a passbook. So far so good. =)

The atm makes it very easy for you to buy anything (specially food! - my number one money burner). What you think are mere "barya" withdrawals (p200 at a time, etc) adds up to thousands in a few short days. Sayang si savings.

[electricpink17]

^i agree. if you are really serious na magsave, mag-passbook ka. for me mas maganda pa nga kung sa malayong branch ka mag-open para hindi madaling withdrawhin.

i have both atm and passbook with BDO. ang nangyayari before was we deposit our savings then at the end of the month, pag nagkulang sa budget, we withdraw it through atm. so USELESS ang pag-sa-save. now what i did, i opened another account sa BPI naman, passbook lang siya and kailangan ko pang mag-effort just to go their branch to deposit, which is okay naman for me.

i still have my bdo account and deposit some money in there for emergency purpose lang then the savings i deposit it sa bpi.

[sweety_paige]

Passbook para hindi maka withdraw ng hindi talagang kailangan.

[chicafabulosa]

I have both

[celsky]

if gusto mo talaga maka save, without temptation i'd say passbook. if atm kasi matetempt ka, madali lang mag withdraw kahit pa 500 lang. unlike pag passbook, mahihiya ka pabalik balik sa branch mo. but BDO kasi now offers both passbook with atm

[ishopnowfeelguiltylater]

passbook ONLY for savings.

separate ATM for emergency funds.

May passbook ako sa BDO, eto strictly no WITHDRAWAL RULE for me. hehe.

May ATM card ako sa landbank kasi walang landbank ATMs (although pwede magwithdraw sa BDO ATMs) sa malls so strictly for (non-shopping) emergency lang talaga siya.

[goddessjem]

parang kailangan po ata pareho. meron lang ako ATM..yun nga lang po madalas madaling makuha ang naiipon.kapag mergency purposes. pero kung gusto po talaga makaipon, mag passbook. para mahiya sa teller kung pablik balik na mag wiwi thdraw. haha

[blue_jade]

i have both 

1 passbook for my safety fund
1 atm for savings
1 atm for paying bills/online transactions

[freemind]

Code: [Select]

May ATM card ako sa landbank kasi walang landbank ATMs (although pwede magwithdraw sa BDO ATMs) sa malls so strictly for (non-shopping) emergency lang talaga siya.
^ that is a good idea. 

anyway, from a banker's POV:

If you want to save, get a passbook.  If you need emergency/available cash, get an ATM.

Personally, I use my ATM as a wallet.  Takot ako sa holdup or pickpocket kasi nabiktima na ako dati.  So ngayon yung ATM and small bills lang dala ko (for fare, food).  When I need a big amount, tsaka lang ako withdraw from a safe atm location.  If ma-hold-up (wag naman sana) or mawala, I can report the loss of the card  at safe pa din pera ko.

[meow2x]

depende din kasi ito sa purpose mo. I suggest having both but separate account. Let' say [textspeak!] sa passbook, sa bank na ang purpose is for "strictly savings". Tapos [textspeak!] isa naman para sa budget, daily expenses mo and [textspeak!] talagang for purchases (atm).

kami ni hubby ganito:
BDO- we both have payroll accounts. Pagdating ng sweldo automatic naglilipat kami sa BDO joint account namin ng money na budget namin for the month. Living allowance ba. kasi d mo nakikita usually [textspeak!] pera mo and before you know it nauubos na pala kakawithdraw mo. Di mo pansin [textspeak!] 100 na withdrawal e nag aadd up na pala

Chinabank- savings for the future. Medyo malayo talaga sa tukso kasi passbook lang at the same time medyo malayo sa mall. we see the money lang sa passbook. nakakainspire

[ishopnowfeelguiltylater]

Personally, I use my ATM as a wallet.  Takot ako sa holdup or pickpocket kasi nabiktima na ako dati.  So ngayon yung ATM and small bills lang dala ko (for fare, food).  When I need a big amount, tsaka lang ako withdraw from a safe atm location.  If ma-hold-up (wag naman sana) or mawala, I can report the loss of the card  at safe pa din pera ko.

eto rin talaga ang kinakatakot ko eh. so i carry no more than 1k pagwala namang inaanticipate na out of the ordinary expenses. iwas pa sa impulsive purchases, at sa mga uutang na kaopisina. hehe

Medyo malayo talaga sa tukso kasi passbook lang at the same time medyo malayo sa mall. we see the money lang sa passbook. nakakainspire

agree ako rito, isa ito sa kinagaganda ng passbook. kita mo ang paglaki ng ipon. pati sa maliit na interest nakakatuwa na rin tingnan. tapos parang madadown ka pag nabawasan kaya talagang iwas withdraw. hehe

[meow2x]

Korek ka jan sis. Super agree ako jan

[aiden]

i have 2 separate accounts. I have 1 for passbook only, and 1 for atm. My passbook account is fo r my savings. Hindi ginagalaw unless for investment lang. My atm is for bills. Emergency money din.

I agree with our sisses here. Mas inconvenient kasi na galawin ang passbook savings kaya nakakatamad galawin yung pera therefore more savings.

[freelancer_babe]

tama!

hindi convenient ang pag-withdraw at pag-deposit using passbook.

2 ang passbook ko - isa sa BPI at isa sa metrobank. Yung passbook ko sa BPI, na-open lang para maka-avail ako ng secured credit card nila (kaya di ko rin hawak). Yung mga metrobank, sa Funsavers account ng kid ko pero nakapangalan sa akin (ITF).

Tinatry kong turuan paano magsave (at gumastos) ang kid ko. Parang mas practical na ata ang ATM these days. Doon ko narealize na inconvenient ang passbook kung gusto ng kid ko na gastusin ang savings nya (lalo na at Sundays pa ang labas namin).

[niixiie]

hi mga sis.. ask ko lang ah how much mag open ng acct pag sa passbook?anong bank yung mura?


ako siguro passbook pipiliin ko.. nakaka motivate lalo mag save