atm, passbook or both?

[nessy]

Depende kasi yan sa purpose mo. If it's for your safety fund, I suggest passbook na lang para hindi mo basta-basta magagalaw. If emergency fund naman, mas ok ang atm.

[wicked_periwinkle]

In my case, I find it very effective to have just the passbook for my real savings. Tutal may ATM payroll account naman ako from my job and nag-open din ako nang save-up na pwede kong gawin na pang-emergency. Sabihin man natin na maaaring makita online yung naiipon natin sa mga account natin, iba pa rin kasi yung feeling na nahahawakan mo yung katibayan na may naiipon ka. It encourages me to save more. Pang motivation ba. So far I am nearing my target savings for the year and nakakatuwa talagang makita na yung pinaghirapan mo eh nakikita mo. 

[freelancer_babe]

Any savings is better than nothing at all! 

[lovely_chic]

For me, what works now are both.. I both have a passbook and 2 atms for emergency.

[superjuzh]

Passbook. Kasi nakakatukso ang ATM lalo na kapag nasa mall tayo at may nagustuhan tayo atlis kung passbook hindi ka naman siguro mag aaksaya ng panahon na pumunta ng bank para sa wala lang.

[beach]

I now have both. BPI ATM Checking for spend money, another BPI ATM account for "Medium" Emergency Fund (yung account na 1 withdrawal per month lang for higher interest) , and one PSBank Passbook account. 

I got a pure passbook (meaning no ATM) account from PSBank. Why PSBank and not BPI? Malayo sa akin... meaning hindi sya walking distance but malapit if by car kaya lang hirap ang parking.

The harder to access the money, the more likely na hindi sya ma-spend.
 

[Maldita AKO]

I have both. Napansin ko lang mabilis maubos pag nasa ATM. Nakaka-attempt kasi magwidraw pag alam mong konti na lang cash mo,lalo na pag nagkalat pa ang atm machines.  Sa passbook naman, truelaley sila nakakatamad magwidraw!Like last time nagpunta ako sa bank para magwidraw, hindi na ko tumuloy dahil sa dami ng tao so end up buo pa rin money ko. 

[Escapaira]

sa BPI ba 10K ang minimum para makapag open ng passbook?
Gusto ko na kasi magkaroon ng passbook pag ATM kasi madali ko magastos.

[Maldita AKO]

^ang alam ko sis 3k lang

[Cheesecak3]

I prefer both with checking account.

[packsmom]

passbook.

depende kasi yan sa objective mo para magopen ng account.

mas okey sakin ang passbook para di basta basta magagalaw.

[Mikasa]

depende sa purpose mo. uulitin ko lang yun sinabi nila, kung gusto mo mahirapan mag withdraw magpassbook ka, kung gusto mo madali, mag atm ka. parang sirang plaka lang

pero sa case ko, atm lang meron ako na ginagamit ko para mag bayad ng bills at magshopping. wala akong savings sa bangko, lugi kasi ako e

[Escapaira]

^ang alam ko sis 3k lang

Nag inquire kasi ako tapos sabi nila 10K raw

[cody23]

^ yes for BPI the minimum amount for passpook is 10K, yung 3K is for ATM account.

[babyphat]

both para incase may emergency madali lang magwithdraw pag atm. pero kung mag-momall, iwan nalang atm para malessen gastos. and pag passbook nakakatamad pumila lalo pag mahaba so tendency is wag nalang.

[terranova]

sa bdo po, 5k lang ang initial deposit required for passbook with atm

[Maldita AKO]

^ yes for BPI the minimum amount for passpook is 10K, yung 3K is for ATM account.

i see. atm ata yun

[Sapphire8]

If you want a "savings" account na mainly for savings mo talaga, I suggest yung may passbook na lang para matempt ka man mag withdraw, dahil sa hassle of driving to the bank or nearest ATM machine ay tatamarin ka na-- so hindi ka na makaka-withdraw.

I have two S/A accounts in BDO and one in Metrobank.

Ang gusto ko sa BDO, madali yung online banking transactions nila. Wala masyado hinihingi na kung ano-ano or papers na kailangan i-fill out and submit sa kung saan saan. Hassle-free talaga. Pwede pa magbayad ng bills online kahit you are overseas. My Metrobank din kasi enrolled in Metrobank Direct kaya lang medyo hassle yun. Buti na lang Aunt ko ang branch head where I opened kaya pag may problem ako sya na umaayos. It helps din pag may kakilala ka sa bank where you'll open an account. Believe me, befriending one or two of the tellers or better yet the manager will pay off in the long run.

[annnye]

Ako ATM na lang. Malaki pala required amount sa BPI un kasi malapit na bank dito sa bahay. May nagpunta sa office namen na from bpi nag open ako ng account wala syang maintaining balance yun nga lang may charge na 5 pag magwwithdraw. Kaya feeling ko tatamarin ako magwithdraw sa account na ito. Haha.

[smua2014]

Has anyone experienced changing from ATM only to Passbook only? I have two BPI Express Teller ATM only accounts and I am planning on changing them from ATM only to Passbook only accounts. Is this possible though?