BEST BANK

[Ironwood_Cebu]

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naa lang ko wild question about aning banko ba. wat if naa ky time deposit sa banko then something happened (die, or lost) naai maka claim aning emong deposit?

your heirs can but will have to show a court order to do so.
in short, they have to file a claim in court and court will order
the concerned bank to release the deposits to whoever heir/s
is/are recognized by the court.

[Tahm Bhai]

Bati ug customer service ang metrobank. Bpi nalang or BDO.

[ace_maranga]

psbank prepaid mastercard. ganahan ko mag tan.aw sa ila ATM gud. nindot kaayo tan.awn. den walking distance ra ATM sa amo... dri sa tisa. sa gaisano. hehe

though i have been with unionbank for 3 years na. ^_^

[likyam]

mga bruh... im planning to open an account sa BDO, mga ads sa tv naka da nako, pro i want to know more sa mga masters if wat inyo ika recommend. wat bank ang best 4 savings account... phil currency ra.... within cebu city... kana naa atm then unsa ila terms. tnx daghan

ya, open sad kuno bdo ig sundays. im planning this weekend magopen.

bpi, 1 of my choices sad kay mao pinakadoul sa ako place...

if SAVINGS wise, go for thrift banks and savings banks. that way money is liquid and there is less investment the bank makes. so no worrying much of a probable bankruptcy (my opinion ha!)
you could opt for BPI but go to the family savings bank kind. or you could opt for City Savings bank where they have a very minimal open account fee and maintaining balance.

but if you consider CONVENIENCE wise, then opt for BDO, they're very much open 7 days a week, being the saturday and sunday usually goes to the BDO SM branch. the only bitter truth is, their account opening is pretty stiff, not to mention the maintaining balance for which you have to watch from falling below the maintaining balance because they charge as high as 300 per month which is way big of a bite from your savings compare to a meager profit your money makes which averages, 50 centavos to 5 pesos per month for a simple account holder.

on the other hand, you can opt for BPI but office hours are usually until 3pm and are only open 5 days a week. it may still be a little expensive for die-hard savings account holders but its the best option for you if you think BDO is stiffer in terms of maintaining balance as well as charges. and the consolation you get to BPI is only its very convenient network of ATM machines which are mostly available at any convenient locations, even in hospitals and malls.

whilst at City Savings you're money might not have much earnings but it sits safe in the bank, and the fact that it is a thrift bank. the only inconvenience you get is the waiting times since there is pretty much account holders since its the cheapest way to get a bank account here. also, they are open 5 days a week also but their schedule is from tuesday to saturday.

but all in all, in terms of money safety from charge-hungry banks, City Savings is the way to go. my opinion! hehehe. if you want, you can opt for a passbook, which is the most safest yet the most inconvenient way since you need to wait inside the bank for depositing and withdrawal transactions plus it curbs and deters your appetite for withdrawing your hard-earned cash from nonsense spending, or you can opt for their new atm account option which is young and has only 2 machines as of this date which is outside the bank branch in colon and in sto nino

your choice really. its just the matter of choosing convenience in withdrawals over safety of deposit

[likyam]

your heirs can but will have to show a court order to do so.
in short, they have to file a claim in court and court will order
the concerned bank to release the deposits to whoever heir/s
is/are recognized by the court.

hmmmm . . never heard of something like this. even on the papers i filled up while i opened an account. pwede i elaborate with what you meant by heirs? does my mom count as an heir? kai siya ako ganahan mugamit sa ako kwarta in case lang mahitabo dyud nang mga ingon ana na butanga bah.

hala, sorry mods ! ! huhuhu. pistot oi nakasala na nuun ko dah. 2 consecutive replies man ko sa thread. i hope ok ra ni.

[Metz]

hmmmm . . never heard of something like this. even on the papers i filled up while i opened an account. pwede i elaborate with what you meant by heirs? does my mom count as an heir? kai siya ako ganahan mugamit sa ako kwarta in case lang mahitabo dyud nang mga ingon ana na butanga bah.

hala, sorry mods ! ! huhuhu. pistot oi nakasala na nuun ko dah. 2 consecutive replies man ko sa thread. i hope ok ra ni.

as I understand, ang imo normal savings will automatically go to your family if wala pakay spouse or under age pa imo kids.

however, there's a special case regarding time deposits and investments. if wala kabalo imo heirs about ani, naay chance di sila ma notify and if the grace period is over, happy kaayo ang gov't modawat sa imo donation. but I will need a lawyer to confirm this.
so, better inform them, nga naa kay accounts in specific banks, just in case.
sayang sad ang hinaguan, kung ang mga corrupt nga politician ray modawat.


as for me, angay ra ang banks for our daily and emergency expenses. dili na pang investment ang banks ron.
Ill keep 3 to 6 months worth of cash sa banks, depending on my income. Ang sobra ana, maypa sa higher yield investments na ibutang.

usually time deposit 4% ra max and dinagko nga amounts ang required.
while there are investment vehicles that give a conservative 8% to 12% per annum.
just in case interested mo, you can PM me.

[den2x]

kani naglagot ko ani sa BDO, magwithdraw/deposit ko sa subangdaku branch para sa akong Mandaue nga account chargean kog P50 aw ambot nausab na ba kaha ni...

Mao ba. ang deposit naa na charge? kangus a lang? Sauna pwede pa to withdraw bisang asa nga branch karon dili na then kani napud deposit.. toinks nalng..

[Metz]

Mao ba. ang deposit naa na charge? kangus a lang? Sauna pwede pa to withdraw bisang asa nga branch karon dili na then kani napud deposit.. toinks nalng..

hmm naa na diay charge? abi nako if same city wala ra, or sa deposits rato.
hinoon wa pako kasuway kay mag ATM man ko.
sunod ani from 0.5% interest per annum mahimo na 0 hehe.

just keep emergency or business funds in banks.

if you want to grow money or invest money, go for mutual funds or other high yield investment that give you 12% or more. ayaw tawon pag time deposit kay kan-on ra sa inflation ang tubo sa inyo kwarta.

[chadix24_7]

at present , murag mas ganahan ko sa bpi kay nindot na ilang internet ug mobile banking.

[explorer2k4]

For me BPI kay wlay charge ang ilang deposit anywhere in the Philippines. Plus pwede pa jud ka maka deposit ug cash during Sat and SUn kay naa man silay atm mo accept ug cash.

China bank ok ra pud kay 1000 lang ang atm nila. Usually ang requirements nila 2 valid id's, ug (2) 2x2 or 1x1 picture lang..