Best Bank to Open a Checking account

[chikit]

Hindi ako sure sa question number 1. I'm guessing baka hindi kase it's not a savings account it's a payroll account you're referring to.  Sa question number 2 yes pupunta ka sa branch every time mag fund ka ng checke. Used to have a checking account with them had to close it kapagod magpunta sa branch. Nag BPI ako kahit malaki ang required opening and maintaining (10k) mas convenient for me since nandun din lahat ang savings ko.

[Madness]

Hi!

Do you know how much ang kaltas pag hindi naabot ang Average Daily Balance ng checking account ng BPI. Let's say hindi umabot ng 10k [textspeak!] ADB? Is it php 300?

TIA!

[chikit]

Yes it's 300 pesos

[smoothyroad]

I'm a student, and didn't learn anything about doing this kind of things. What are the other benefits for having a bank account? What are the pros and cons? Is the maintaining balance should be paid monthly?  And which things should I watch out for? (to avoid loosing money)


*I will backread after our exam week mehe*

[m_lim]

i have a checking and savings account in BPI.

so etong Branch Manager, questioned me kung talaga bang personal na gamig lang ang accounts ko. i said YES! why?

kasi daw hindi match ang transactions ko sa declared income ko when i opened my account.

eh what if nabibigyan ako ng pera ng hubby and father ko every now and then? what if sometimes nag rerediscount ako ng check? what if i reimburse sa office mga abono ko?  siyempre hindi naman considered income yan kasi hindi naman regular yan.

medyo nakaka asar ang dating ng Manager kasi ayaw maniwala na personal account lang. baket daw ang lalaki ng transactions ko. (eh sa bumili ako ng designer bag / nagbayad saken mga umutang saken last year ng PDCs)

talagang bang nag mamatter kung maliit ang income mo pero malaki ang labas pasok sa account mo? ano ang paki alam ng bank doon?

[shygirlme]

^naalala ko tuloy last week inoofferan na naman ako ng bank nung investment program nila tinanong ako bat di pa ko nag eenrol. i was like "anong paki mo?" hahaha pero sinabi ko nalang may ibang pinaglalaanan.

[blackgreen]

^^hindi naman siguro sis abot ng 4M transactions mo? Baka kasi nacoconsider nila yun sa anti money laundering act pero dapat hindi rude yun manager.

[barbillie]

^ i agree sis. I think the bank wants to ensure na nasusunod [textspeak!] AMLA. Chinecheck talaga nila yung suspicious transactions. However, dapat may proper spiel ang manager para di naman offending ang pagkakasabi sayo.

[m_lim]

^i see. kairita kasi sabi niya- Sigurado ka??

yes, hindi naman aabot ng 4M level.

madami lang talaga akong checks napapasok lately dahil nga binibigay ni hubby saken mga ibang bayad na pay to cash sa kanya tsaka mga bayad utang saken panay checks.

[rasee16]

Actually mga 500k transactions nasisilip na. Lalo na pag madalas.

[ikaela]

^^Sounds like yet another bank personnel who needs to work in his/her interpersonal skills. I've encountered many of them. But I understand it though -- I don't dress up to do bank transactions (why should I?) and I look like a student (according to them). Most give good service once they see your valued client status and good banking history, but there are the bad apples, just like in any industry. Kapag sumobra, simple lang solution diyan: say you're going to move your accounts to a different bank or actually do it. Sa dinami-dami ba naman ng banko.

[m_lim]

^correct sis!

O ayan, nag open nanaman ako account with them, this time Joint with my sister. We've decided to deposit monthly for our long time yaya & mom's emergency fund pag dating nila ng senior years or kung biglang may mangailangan.

baka sabihin nanaman baket panay panay ang deposit sa account. akalain may monkey business ako hahaaha

[Project60]

sis i work in a bank but not in a branch pero we had a brief overview on the branch process....
they are just being careful sa money laundering....  things they ask for staff to look at would be if match ang pinapasok na pera sa source of income kasi sa abroad usually ang scheme eh mag dedeposit ng paunti unti tapos boom..... isa pang scheme is dedeposit siya iba ibang amount tapos di match sa employment status nya then boom...

[djoyfulmommy]

Check this post ladies, very informative when it comes to choosing a checking account.
http://www.inforgrab.com/recommended-banks-to-open-a-checking-account/

[Emosewa]

Tried to open a checking account sa BPI family kanina but denied.
Tinanong reason for opening a checking account, sabi ko to pay off bills. Sabi nung rep dapat for business purpose daw tapos kelangan magpresent ng proof nung business
I have a savings account with them kaso maliit lang naman so I guess yun din kinonsider nila.
Haaaaay...

[angelholics]

in my opinion ok sa BDO kase lagi bukas sa mga SM malls hehe

[j.adore]

BPI tatawag pa bago magclear ng cheques

Emosewa, how about BPI main?

[Emosewa]

^sis j.adore, same advice sa bpi.

[Emosewa]

Update ko lang dito.
Nakapag-open na ako ng checking account sa bdo. Same branch where i have my savings account.

Tinanong nila ako kung may account with them, nireview nila and then they asked kung ano reason for opening a checking account.

Isa sa mga requirements nila kelangan daw may landline,sabi ko postpaid line lang. Humingi sila ng copy ng bill peros since di ko dala, ipakita ko nalang daw pagka-claim ng atm kasama ng checking account

[Maxim04]

ours is BDO.
They will call me if it's more than 100k transaction before they clear.
maintaining is 5k. 

I choose them for convenience. They are open even on Sundays. Weekdays naman open sila til 7pm.