Best Bank to Open a Checking account

[ToughEmpress]

Planning to open a checking account as payment for our business office rental. Can someone enlighten me about Overdraft Protection? Will greatly appreciate your response. Thank you in advance

[Ejaxene]

Tried opening with BPI today pero kailangan daw may attachment (purpose). I have no immediate use for it now but I want to pay bills with checks... :/ I don't want other banks too... *sigh*

[robinemz]

i found out that eastwest bank's maintaining balance for checking account is only 1k. any reviews from eastwest checking account? ok din ba? sobrang dami nilang newly openned branches kaya this bank looks promising. planning to drop by their ofc near our home tomorrow. sana ok

[smiley327]

Just opened a checking account with Asia United Bank even if I dont have a savings account with them. But i was referred by a friend, though =) it comes with a passbook and ATM. They have a very secured online banking facility.

[katniss]

Do you sisses know if may existing joint (AND) savings account ka sa BPI at passbook only, kung pwede sya ipaconvert into checking account?

TIA! ^^

[kookai88]

Share ko lang experience ko sa pag-open ng account sa chinabank. March 2014 nag-open ako passbook savings account, 1k lang ang maintaining balance so kampante ako dahil may 1k namang laman ang account ko. And then minsan lang ako magdeposit na pinapautos ko lang sa messenger ng company namin. Minsan 500, minsan 400 lang ang napapadeposit ko. tamang ipon lang ba pag meron ako natipid sa allowance ko. Last transaction ko sa kanila is Sept 2014 at nasundan lang this January 2015. kapag kasi nagpapadeposit ako, hindi ko pinapaupdate yung passbook ko. kampante ako kasi hindi naman nagbebelow maintaining balace dahil may 1k plus nang laman yung account ko. aba this january nagpadeposit ako ng 1k then pinadala ko rin passbook ko para ma-update. hala 1800 na lang pera ko na dapat ay 3300 na. alam niyo naka 5 mos. silang deduction sa akin ng service charge na 300. grabe hindi man lang ako na-inform na 5k na pala ang maintaining balance nila. nagstart daw nung july 2014. nagpadala daw sila ng letter, wala naman ako nareceive. sana nagtext sila or nagcall nalang sa akin para naman sure sila na nainform ako. ayun close ko na lang account ko. nakakabwiset ang serbisyo nila. kumita sila sa akin ng 1500 imbes na ako ang kumita sa kanila. kaya nakakatrauma mag ipon sa bank. dito na lang ako nag iipon ngayon sa Coop ng company namin. malaki pa ang kita namin dito.10 months lang nag earn ako ng interest na 5k sa ipon ko. 

[usanaph]

I just opened a CityMax account at Citystate bank, Sta.Lucia Mall branch. Only 1500 to maintain plus you get a passbook and an atm card. No existing SA. Mababait ang staff.

[Maxim04]

hi mga sis.
i just opened a BDO checking account last month. this is joint na din sa savings account ko para hindi hassle na from savings eh popondohan mo pa si checking account.

the only requirement is, kung saan ka nag open ng savings, doon ka na din dapat mag apply ng cheque kasi they keep your records. although i had a bad experience with BDO before dahil they did not grant my personal loan last 2011, i still have keep them kasi very convenient ang branches nila which is until 7pm sa mga malls.

 

[ajherrera]

^sis, ako i was able to open the citymax account sa citystate kahit wala akong account sa kanila. dipende ata yan sa branch e. ang hirap lang kasi sa citystate, hindi ganun kadami ng branches near me.

what did BPI Family required for you to bring na documents, sis?

hi sis, advisable po ba yung CityState for issuing PDC? need ko kasi mag-open ng checking account for my house monthly amortization. or can you advice me other bank na meron low maintaining balance. thank you.

[blackgreen]

When we are looking for a bank to open a checking account our first choice is BPI. Pero sa BPI 3 yun pwede pagpilian. BPI, BPi family and BPI direct. Sa kanilang 3 kay bpi family kami nag open kasi pinakamababang maintaining balance. Nung pumunta si fiance tinanong siya kung meron na BPI account chineck lang yun account niya tapos fill out ng forms submit ng picture then ayun may checkbook na siya agad.

[redhead69]

Just opened a checking account with Asia United Bank even if I dont have a savings account with them. But i was referred by a friend, though =) it comes with a passbook and ATM. They have a very secured online banking facility.

Hi sis, sa Asia United Bank ba do they need na may referral ka or okay lang mag walk in. I am planning on opening a checking book account kasi na kahit walang savings account. Mga ilang days or weeks mo nakuha siya?

Which one is better Eastwest bank or PNB, na kahit wala kang savings account sa kanila. I am planning on opening a checking book account kasi i am moving out na and sa condo they're requiring me to give post dated checks. Which bank is mas madali makakuha ng checking book? Tia!

[NikkiV]

Try mo metrobank sis. Ok customer service. We dont like bdo kasi kada kilos may bayad. Like when you ask for a bank statement, you have to pay. In metrobank wala and theyre very fast.

[redhead69]

Try mo metrobank sis. Ok customer service. We dont like bdo kasi kada kilos may bayad. Like when you ask for a bank statement, you have to pay. In metrobank wala and theyre very fast.

Nagrerequire ba sila ng 6 months saving account atleast sa bank nila or okay lang kahit wala?

[smiley327]

Hi sis, sa Asia United Bank ba do they need na may referral ka or okay lang mag walk in. I am planning on opening a checking book account kasi na kahit walang savings account. Mga ilang days or weeks mo nakuha siya?

Which one is better Eastwest bank or PNB, na kahit wala kang savings account sa kanila. I am planning on opening a checking book account kasi i am moving out na and sa condo they're requiring me to give post dated checks. Which bank is mas madali makakuha ng checking book? Tia!

Hi sis. Depende din yata sa branch manager yan. Sa akin kasi may nagrefer kaya they allowed me. And on that day nakuha ko din.

[robinemz]

I like Security Bank. Ok ang customer service nila at 5k lang ang maintaining balance.

[redhead69]

Hi sis. Depende din yata sa branch manager yan. Sa akin kasi may nagrefer kaya they allowed me. And on that day nakuha ko din.

I see, sige sis i will ask someone na kakilala ko sa bank and try ko rin na magparefer just incase. Kelangan ko lang rin kasi para mag release lang ng PDCs. Thank you sis!

[Celerina]

My checking acct is with BPI Family bank with 5k maintaining balance.
I find it convenient as I could do fund transfer from my BPI Savings account to my BPI Family acct.

[grrrlscout]

I opened a joint checking account at BPI with my fiance last week. We chose BPI kasi andito yung existing accounts ko, fiance naman has an account with BPI Family. I'm enrolled sa BPI Express Online, and kailangan namin yung fast way to fund the account kasi ayaw ko ng pumila pila pa sa ibang banks. Wala talaga kaming time for that kaya sa BPI kami kahit medyo mas mataas yung maintaining balance.

Wala naman masyado hinanap. Tinanong ako if may account na with BPI, I said yes, inassess naman nila ok naman. For reference, may 3 accounts ako with them: 1 for emergency fund/savings, 1 for payroll, at isang save-up. 2 ID pics, 2 valid IDs, at mga forms na finill-up lang ang binigay namin. 10k minimum to open, plus 175 for the checkbook. Natapos kami in 2-3 hours.

[BAISANAN]

PS Bank for me

[YaZiLove]

hi guys.
i was also required to issue pdc. so newbie regarding checking accts 
Questions lang po:
(1) i have payroll acct sa bdo so its considered as savings acct right? but since its a payroll i dont keep money there therefore i dont have the "monthly ave balance" if thats the requirement, although its been my acct for 10+ yrs. will they be strict on this? i was thinking na mapagbigyan kasi sila ang account holder ng company namin.

convenient sana kasi i have existing SA at 5k lang ang maintaining balance.

(2) clarify ko lang, when you say your going to use online transfer/mobile etc, ibig sabihin nun you have existing SA on that bank to be transferred lang sa CA of the SAME bank? tama ba?

so kung sa CityState na wala naman akong savings acct duon, magiging manual transfer ako as in punta sa bangko buwan-buwan to deposit sa checking acct ko? 

im considering them kasi hindi maarte sa requirements, mababa pa ang maintaining balance.

will appreciate your replies. thank you.