What's a good bank to open an account with?

[snix]

I already have a bdo account.. Both passbook and savings. Nagapply din ako for easy savers account with bpi..

I want two more sana.. Im thinking of metrobank or eastwest?

Reason for doing this is for convenience lalo na kapag offline ang bank and para maparte parte ko savings ko.. This way hindi ko siya magastos..

[freelancer_babe]

Di kaya mas hassle at inconvenient kasi you need to deposit funds sa isa pang bangko? As in fall in line sa loob just to fund that third account?

Sa dami ng BDO at BPI ATMs I think nasolve na ang convenience mo of withdrawing funds.

Have you ever considered time deposits? UITFs? These products prevent you from spending money.

[snix]

^i have a time deposit sa bdo.. Ewan ko nga eh i'm confused.. Madalas kasi sobrang haba ng lines ng bdo at bpi tapos pagdating sakin la na funds i end up withdrawing sa ibang atms

[freelancer_babe]

Mayroon kasi akong BDO, BPI at Metrobank.

Pare-parehong may pila sa ATM, pero the worse ang Metrobank. One time inabot ako ng 30 minutes sa pila. Tagal magtransact ng machine naman nila. Tapos sira pa ang kabilang ATM.

Yung same line na yan, saglit lang matapos kung sa BDO o BPI ako pipila. Pero sa experience ko mas matibay ang BPI ATMs compared sa BDO. Mas marami naman ang mga BDO ATM na nae-encounter ko na offline nang ilang araw.

Yung BPI kahit may pila sa akin, mabilis. Hindi sirain ang ATM nila.

Pero yun lahat based lang sa experience ko. Di naman ako nauubusan ng perang i-wi-withdraw pagdating ng turn ko sa mga ATM na yan.

Problema naman sa EastWest, kaunti ang ATM nila, kaya kakainin rin lang ang savings mo ng mga ATM charges kapag nagwithdraw ka sa ibang bank ATMs.

Yun din i-consider mo, kung paano mo popondohan rin ang account. Kadalasan mas matagal pang intayin ang turn mo sa bangko para magdeposit (except yung cash deposit ATMs ng BPI) kaysa yung pumila sa ATM.

[aquacharly]

I don't advise keeping multiple accounts to have control over savings.  Mind that the minimum balances you have to maintain for keeping the accounts mean less interest. Plus, since  your sums are scattered into several minimized accounts -- vs 1 significant account, you don't get better rates.
If your concern is slf-control vis-a-vis your savings, you can gain better committing to a time deposit/SDA placement.

It is preferable that, given only unibanks are considered, convenience dictates your choice. 

[bratinella08]

BPI, BDO, Metrobank

[jmeangeL]

I don't advise keeping multiple accounts to have control over savings.  Mind that the minimum balances you have to maintain for keeping the accounts mean less interest. Plus, since  your sums are scattered into several minimized accounts -- vs 1 significant account, you don't get better rates.
If your concern is slf-control vis-a-vis your savings, you can gain better committing to a time deposit/SDA placement.

It is preferable that, given only unibanks are considered, convenience dictates your choice.

just had to agree with this... ano ba ang dahilan kung bakit kaylangan mo laging mag-withdraw ng money from ATM? pay bills? just do it online

pay for your groceries? just swipe your ATM at the cashier

cash for commuting and small purchase on sari-sari store or canteen, keep a cash envelope where you'll put your weekly allowance

leave the envelope at home and just bring your allowance with you every day.

getting a checking account is also helpful in some ways.  like paying for monthly amortization that are not available thru auto-debits

i'm actually guilty of having several accounts at several banks (BPI, BDO, Metrobank, Landbank & Unionbank), but those are for business kaya marami

Personally, it's only BPI & BDO for me.  Hubby has the Metrobank account under his name.

[freelancer_babe]

i'm actually guilty of having several accounts at several banks (BPI, BDO, Metrobank, Landbank & Unionbank), but those are for business kaya marami

Ako rin maraming accounts sa iba-ibang bangko. Pareho tayo ng mga bangko, haha.

I tried eliminating them para concentrated lang ako sa 2 to 3 banks, pero di pwedeng bawasan eh for several reasons.

Yung Landbank ginagamit ko to receive PAGIBIG loans. Di na sila nagrerelease ng check kasi. Kailangan may account na ako doon para kunin ang loan proceeds. PAGIBIG only deposits lang sa Landbank and Citibank (I heard), kaya kailangan ko pa rin ang account na yun. Pero isa rin ito sa gusto kong i-give up na account.

Yung BPI doon ang bills payment ko at doon ko rin narereceive ang online income ko (for now mainly galing sa odesk). 4 bank accounts in this bank alone (not counting yung UITF ko sa kanila) hehe. Di ako gumagamit ng envelope system ng pagba-budget that's why. 1 passbook savings para sa secured CC collateral, 1 BPI Direct ATM para sa daily cash na gagamitin ko, 1 checking account (income and expenses come in sa account na ito) at isang sinking fund account na nasa savings ATM rin (para sa mga expenses like car maintenance, vacations, etc).

Yung BDO, recently opened lang. Ginagamit ko ring alternative na pangreceive ng online income galing sa odesk (mas mabilis sa BDO). At the same time ito na rin ang nominated account ko para sa BDO EIP (hulugan na UITF).

Yung Metrobank ko, dyan kasi ang Fun Savers account ng kid ko. Sabay ng fun savers ng kid ko doon din ang alkansya savings ko - pag puno na ang alkansya ko, dyan pupunta ang funds ko - pang gift (Christmas and other occasions) at donation. Most of the time yung ATM na ito naiiwan sa bahay unless needed talaga for gifts at donations (actually pwedeng i-consolidate ito sa sinking fund ko sa BPI, pero hiniwalay ko na lang para ma-engganyo ang kid ko na example ako ng taong nag-se-save).

Unionbank simply exists for Paypal. Wala kasi silang charge sa Paypal withdrawals as compared sa ibang banks. If only na tatanggalin lang ng BDO o BPI yung Paypal fees nila (na hindi mura) eh, i-gi-give up ko na talaga itong account na ito.

[det060403]

BDO branches are everywhere. very convenient!

[chinablue]

2 lang ang bank ko. BDO at BPI. BDO dahil madaling magwithdraw, nagkalat ang atm sa malls. I also use the BDO Online to transfer funds to my mother's account. BPI naman is very convenient for me because of BPI Express Online. I make time deposits, monitor my balance, etc. using only the internet. Ayoko ng masyadong maraming banks dahil baka malito ako. haha.

[qwerts]

Bdo, bpi and metro bank for me. Di ako kakakaba kaba sa stability ng banks na ito.....

[snix]

I opted to maintain na lang three banks.. Nagkaproblema ko sa bdo passbook so cash card na lang minamaintain ko dun kung saan dinedeposit yung salary namin..  I opened a bpi maxi savers for savings tsaka for paying bills tapos yung eastwest basic savings account na 100 lang ang maintaining balance.. Lipat ko dito yung mga panggastos ko like food and transpo kasi may charge bawat deposit sa cash card and kapag winithdraw ko naman lahat hindi ko macontrol sarili ko lol..

So ayan yung reasons ko.. Btw meron din ako unionbank pero for paypal ko hindi ko to nilalagyan ng laman

[Maldita AKO]

Meron po bang may AFPSLAI dito?

[budzwhiz]

Hi I'm planning to open an account din... I only have my metrobank atm and want a savings account. I heard nga sa EastWest 100 lang ang maintaining balance? Kaso parang di sya masyadong accessible.. How about sa BDO or BPI?

Another question, is the maintaining balance locked - you can't spend it, or is there penalty lang if you do? And once you open the account, does the maintaining balance count as your savings or not? Example if the bal is 1000, and you add a deposit of 500, does your savings total to 1500 or 500 lang? Sorry first timer here. Thanks!

[Misis_Maku]

BPI and BDO lang din ako may account. They have online banking kaya super convenient for me. 

@sis budzwhiz: alam ko hindi naman sya mala-locked pero preferably hindi bababa ang maintaining balance mo per month para di ka makaltasan ng bank mo. 

[AnJelatine]

BPI and BDO lang din ako may account. They have online banking kaya super convenient for me. 

Me too

[iamsuperizch]

Is Security Bank ok?  I'm planning to transfer one of my BPI accounts to Security Bank kasi mas convenient sa akin yung location.  Mahaba din nilalakad ko to BPI just to deposit tapos ang haba pa lagi ng pila.  Security Bank recently opened at the ground floor of our condo so mas convenient for me mag-deposit, hindi ako tatamarin   Meron din AUB here, but mas preferred ko Security Bank.  Or mas ok AUB?  Help

[brandi]

I have 2 savings account in BDO. Just recently i opened one with BPI. The only thing that i considered was the accessibility of those accounts.

I was supposed to open a passbook account with BDO. When you have a passbook account daw kasi, mas mamomonitor mo yung pasok at labas ng pera and since you have to withdraw over the counter, tatamadin ka galawin siya. But in my case, i realize that it's just a matter of discipline. You have to be responsible on your own accounts. And feeling ko kasi, with passbook, pag tinignan ko siya and for example malaki ma yung andoon, feeling ko magiisip ako ng kung [textspeak!] anong gastos because of my savings. Pag konti naman, feeling ko ma ffrustrate ako to work and work para dumami yun laman. Since both have online banking naman, namomonitor ko pa din naman. And everytime i plan to withdraw for my expenses, i check my balance muna siyempre then withdraw what i only need. And just in case i ran out of cash, debit card naman sila lahat though i make sure na hindi ko naaabuse yung debit capacity niya. Kaya nga never ako kumiha ng CC to avoid swiping galore, bakit ko naman gagawin sa debit card? Discipline pa din.

[super bratinella]

I will try BDO for my savings account. Turn off lang sa akin ang haba ng pila for deposit, at may payment fee pag province ka magdeposit sa ibang account..

[krystalB]

Is Security Bank ok?  I'm planning to transfer one of my BPI accounts to Security Bank kasi mas convenient sa akin yung location.  Mahaba din nilalakad ko to BPI just to deposit tapos ang haba pa lagi ng pila.  Security Bank recently opened at the ground floor of our condo so mas convenient for me mag-deposit, hindi ako tatamarin   Meron din AUB here, but mas preferred ko Security Bank.  Or mas ok AUB?  Help

sis okay ang security bank