Minimum maintaining balance for savings account

[kyodo]

---

Hi guys, mangutana lang ko kung unsay pasabot ani? For example ang maintaining balance sa imo savings account is 10k, is it possible ba na ma withdraw nimo imo 10k remaining balance? Naa bay penalty? What if ganahan ka iclose nalang imo bank account? Thanks in advance

[marclouieyap]

maclose na if imo hutdun..

[Sgmangz]

Maintaining balance meaning mao jd dapat imo e maintain ut if imo kwaan naa jud na penalty monthly depending sa bank.... lahi2 man tanan bank, inquire lang sa banko bro sa opening accounts

[cebu.opportunities]

monthly basis man tingali na. you can go below maintaining balance and won't get any penalty (usually 300-500) basta imo average daily balance moabot at least the minimum amount to keep your account active. (monthly average daily balance--naay formula ana sa ila website)

pero ang question here unsa ang cut-off time or how many hours man dapat naa sa imo account ang money nga ma counted na siya as "1" day. basi gisudlan og 50k pag 2pm unya gi withdraw rpud pag 8pm same-day. hehe

if imo i-withdraw ang 10k nga remaining balance which is also the maintaining balance, mo automatic nana og close (don't know for how long, I guess 1 month) without penalty. Pero, kung imo gidepositoan og 1000 and in-ana rjud nga amount hangtod2x, penaltihan kag 300 (or depende what bank) hangtod mahurot ang 1k and ma automatic closed account nana in time.

[kyodo]

ahhhh I see, thank you so much guys for clarifying such a big help!

[euan]

ako bpi wla maintaining balance pro knahanglan gamove ang funds within 3 months. duha man ako account nila, ako lang transfer2 ang money between accounts. hehe

[pridi]

ako bpi wla maintaining balance pro knahanglan gamove ang funds within 3 months. duha man ako account nila, ako lang transfer2 ang money between accounts. hehe

unsa nga type of account na bro? or for all accounts na cya?

[cebu.opportunities]

monthly basis man tingali na. you can go below maintaining balance and won't get any penalty (usually 300-500) basta imo average daily balance moabot at least the minimum amount to keep your account active. (monthly average daily balance--naay formula ana sa ila website)

pero ang question here unsa ang cut-off time or how many hours man dapat naa sa imo account ang money nga ma counted na siya as "1" day. basi gisudlan og 50k pag 2pm unya gi withdraw rpud pag 8pm same-day. hehe

if imo i-withdraw ang 10k nga remaining balance which is also the maintaining balance, mo automatic nana og close (don't know for how long, I guess 1 month) without penalty. Pero, kung imo gidepositoan og 1000 and in-ana rjud nga amount hangtod2x, penaltihan kag 300 (or depende what bank) hangtod mahurot ang 1k and ma automatic closed account nana in time.

update:
BPI
- automatic close if ma zero jud siya
- dormancy period ky 2 months
- charges apply for below maintaining balance, dormant account, etc. pls refer sa ila site

BDO
- regular savings account dormancy period = 2 years
- remittance account dormancy period = 1 yr
- wala ndaw charge if ma dormant but di na siya mo earn og interest

[euan]

unsa nga type of account na bro? or for all accounts na cya?

all accounts man tngali.