Need advice about banko.

[ranaticsrule]

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Date Founded : August 08, 1980
Years in Business: 30 years
Member of RD Group of Companies
Sister Company of RD Pawnshop
32 branches Vis-Min (2 in Ilo2x, 6 in Cebu, 24 in Mindanao)

No Maintaining Balance


For more details check out http://penbank.com.ph/

[cebu.opportunities]

Very well said @cebu.opportunities... how about Metrobank diay? hehe anyway, for me metrobank ky naa may atm bisag asa..

Thanks, hehe... ^_^

I haven't experienced opening an account sa Metrobank because layo2x pa ako lakwon; medyo hassle sako nga part pero mao ni ako na observed:
- 9am to 4pm banking hours kana duol samo. I don't know sa uban. correct me if I'm wrong sa naay metrobank account.
- ang iya ATM machine ky naa sa sud unya i-close nila nig few minutes after pag-close sa bank so di na siya accessible thereafter pero naay ATM machines nga accessible ra like sa fuente, inside the malls, other branches outside the mall.
- if investments on stocks, I guess nindot ang metrobank for that if you'll not invest directly sa brokers, iagi pjud nimo ug banko... reason: Metrobank offers lower "managerial" fee; with "alarm", alert, or warning whenever ni lower na ang rates.
- you can easily pay and transfer funds but of course, with corresponding charges.
- naa mn gyapon regional interbranch deposit charge

By the way, BDO has a special account wherein they don't charge regional interbranch deposit charge. pero naay qualification and you should maintain that pra effective pa gyapon na nga service. kaapan lang, regular savings account mn gud tasagaran gipanguha sa mga taw so in my part, mka-pay kog interbranch charge pero sila mo deposit sako, di sila mka-pay ky my account has that purpose--receiver sa remittance without fees(within Philippines).
Requirement to maintain that service: at least once a year remittance from abroad.

[Similya]

In my experience, UBP's EON is the best para savings. Why? There's no maintaining balance unlike usual savings accounts plus you can easily use it online kay naa man kay online account. However, there's a fee to be paid annually.

BDO and BPI are very good banks too para nako but expect to wait in line most of the time, labi na kung sa malls ka then after office hours.

sa online rana ang naay annual fee.? or asta ang normal nga savings account.?

[Similya]

ako ma suggest is BPI. dali ra kaau sila maka offer nmo kung naa ka problem sa imo account anywhere na branch nila. daghan pud jud ni sila depositors. sa BDO ang di lng nko ganahan is naa jud sila interbranch fee pero if same ra ang lugar like sa cebu ra na acct pero sa lain ka na branch mag deposit wla ra pero f nationwide na transaction naa jud not like BPI. then if magpa encash ka sa imo check na para BDO pud na check naa ghapon sila charge. ila advice is ideposit nlang sa imo acct para wlay charge.

ang BPI naa pud ba interbranch fee.? or interbank fee.?

[Similya]

salamat kaayo sa tanan ninyong mga inputs.

last questions.

unsa nga bank pwede ma link ang paypal.?

ang Bancnet nga ATM pwede ba maka withdraw sa Megalink nga ATM.? vice versa

Murag nindot ang zero maintaining balance dah.

[Code Talker]

agree ko na e consider purpose for opening a bank account before choosing a bank

[carbrill]

nice nang tulo du... bisan asa ana nila ok ra man... naka try nako sa BDO ok ra sad ilang service daghan pd mga affiliate stores since sa mga sy (SM) man ni ang BPI ok ra sad but di lang dako ilang interest but stable kaau ni sila under pd ni sa mga ayala...

[carbrill]

salamat kaayo sa tanan ninyong mga inputs.

last questions.

unsa nga bank pwede ma link ang paypal.?

ang Bancnet nga ATM pwede ba maka withdraw sa Megalink nga ATM.? vice versa

Murag nindot ang zero maintaining balance dah.

pwdi ra man ka ka withdraw bisan asa but naa ray transaction fees kung dili under sa bancnet or megalink ang imong card.
i think if mag use ka ana wa nay interest imong account ana...

[Air_Bender]

Up...Up..UP...

[Similya]

agree ko na e consider purpose for opening a bank account before choosing a bank

ang purpose is for savings lang sa. para dili ko ma tintal ug gasto.