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Checking Account? Open Yours with PS Bank.


^Bakit phases of the moon?

Kasi po, kung pakiramdam kulang tayo ngayon. Hmm, phase lang yan. Slowly but surely, mapupuno rin tayo at makakapag-ipon. Continuous cycle. Diba? :)) At para naman sa phases na hindi tayo punong-puno, hopefully, nakapag-prepare naman. hehehe

...

One obvious sign that we're "adulting" is that we already have bills to worry about. Recently, I had to open a checking account and went to BDO in SM North to apply. Holding my P 10,000.00, I patiently waited for my turn (for clients going to this branch, you know how long lines can get) only to find out that my ADB a.k.a average daily balance is below P 50,000. WAY BELOW. I should tell you. hahaha. In my defense, although BDO is my oldest bank account, the money I have there is the money I usually use as my revolving fund. I don't know where that requirement is indicated but your account has to have an ADB of P 50,000 to qualify for a checking account in BDO. 


So 'yun na nga, nalungkot ang lola mo. Pano ba naman. Para san pang nagsama kami ni BDO ng isang dekada kung Checking Account lang di ako mabigyan... chos. hahaha. Bumawi ka na lang sa ibang bagay sa'kin BDO. Hoping to write about something positive in January. :)


Fast forward to that fated day in PSBank...

I was in PSBank (I maintain an account with them as well but I didn't blog about it), then I decided to ask if I can open a checking account with them. They asked me if I own an account in their branch and I said yes.


I only presented two ID's but those were only to update my records and signature. That afternoon, I was able to open a checking account and got my first ever checkbook na dadasalan ko araw-araw na maging enough. Hahaha. Di ako umasa habang nakapila at 5k lang kailangan pero binigyan ako, bes. Labyu, PSBank!!


Daming sinabi ehh. So ano ba requirements?


  • Completely filled-out bank forms:
    • Customer Information Sheet (CIS) for Individual Clients
    • Signature Card
    • Signing Instructions and Acknowledgement of Receipt Form
  • Presentation of at least one (1) primary ID, with photo and signature.
  • Checkbook Payment


I opened a regular checking account and the monthly maintaining balance is P 5,000.00. They have another type of checking account (I think that bears interest) but the maintaining balance is P 25,000.00

Again, take note though that this checking account doesn't earn interest so if you're thinking of "parking" your money there, might as well open their ATM Savings Account since the maintaining is just P 2,000.00



Bakit Kailangan ng Savings Account? Link: here.
Difference Among Savings Account, Prepaid Account, Debit Card and Credit Card link: here.
Pwede ba mag-deposit ng barya sa banko? Link: here.
My Accidental Picky Coin Bank Link: here.


Savings account: 

Eastwest Prepaid Card vs. BDO Cash Card link: here.
Eastwest Bank Basic Savings Account link: here.
BPI Easy Savers Account link: here.


Credit Cards:

Citibank Rewards Card link: here.
BPI Family Credit Card link: here.
BDO JCB Lucky Cat Card link: here.






May we always have enough.
God bless. :)

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