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BDO Deposit Accounts — Baka Maubos Imbes na Lumago

jupiterjones888 · 25 · 29146

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jupiterjones888

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Monitor your BDO savings and checking accounts, and all your other bank accounts, and make sure:
your accounts do not fall below the maintaining balance
you do at least one transaction within one year for checking accounts, and within two years for savings accounts.  This is to avoid dormancy charges.

For BDO customers, service fees for dormancy and below balances have been increased effective February 1, 2011.
Dormant accounts will be charged 300 pesos for every month of dormancy.
Accounts falling below the maintaining balance for two consecutive months will be charged 300 pesos.
Checking accounts with automatic transfer facility will be charged 500 pesos.
It can be inferred that the below-balance charges will continue until the account is restored to the required maintaining balance,
or until the balance is already exhausted and then the account closed.


Maintaining balances for these BDO accounts:
BDO ATM peso savings — 2,000 pesos
BDO Passbook peso savings — 5,000 pesos
BDO Junior Savers — 500 pesos
BDO Regular checking — 5,000 pesos
BDO Smart Checking — 15,000 pesos


from :  http://www.workingpinoy.com/2011/01/bdo-deposit-accounts-baka-maubos-imbes-na-lumago/


pocoyo

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Reply #1 on: Apr 02, 2012, 07:46 PM
bad trip yang bdo... nagmamaintain ako ng 5k for peso savings kc may regular client ako na via bdo transfer kung magbayad... kainis ba naman nacharged ako ng 300 kc daw below minimum... kakawithdraw ko lang ng half then may pumasok the same day na check kaya maintain pa din ung 5k... napakaunfair... badtrip... panay panay na nga charge nila sa interbranch deposit... P50/deposit... napakagarapal tlaga! tom punta ako bdo to complain and to close na din ung account  :bahalaka:


vgal0579

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Reply #2 on: Apr 02, 2012, 10:04 PM
in my case, nabelow minimum yung savings account ko due to UITF, totally forgot the previous day to deposit... then after 2 days saka ko lang naalala... akala ko macharge na ako e malapit na mag-month end... luckily hindi naman... sabi sa akin nung account officer ko, pag nagbelow minimum daw ako on month end closing hour saka lang me charge na 300...

just sharing tho...


moishi

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Reply #3 on: Apr 02, 2012, 10:18 PM
... panay panay na nga charge nila sa interbranch deposit... P50/deposit...

Do they really charge you for depositing money in a different branch? I did not experience this before. Kindly clarify this. Thanks.


freefront

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Reply #4 on: Apr 02, 2012, 10:20 PM
 e di mas matindi kung dollar account yun. Anong galit ng pamangkin ko---as in 7 USD na lang natira.

Post Merge: Apr 02, 2012, 10:22 PM
Meron daw ibang branches na may 20 php service charge. Probably regional transactions. pero wala sa mga enrolled na Kabayan accounts and their remittance recipients.
« Last Edit: Apr 02, 2012, 10:22 PM by freefront »


vgal0579

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Reply #5 on: Apr 02, 2012, 10:23 PM
@moishi, yes.  Example am from Lipa City, I can deposit/withdraw OTC without any charge... but when I do OTC transaction in Laguna, they charge it based the rate... you will be charged if you made OTC tranx OUTSIDE the area of your own branch... for ATM withdrawal, NO Charge at all... just OTC transactions... hope this clarify your concern....


pocoyo

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Reply #6 on: Apr 02, 2012, 10:30 PM
correct ka jan s' vgal... like here sa cavite pag may deposit ako within cavite.. free of charge... pero pag nagdeposit ako sa account namin sa makati may P50 na charge... pero depends sa account ata kc pag malaki ung acct ng company may mga qualifications na free of charge... pero sa case ng company namin di ata cla umabot sa reqts kaya evrytime na may deposit kme sa makati nachaharge kme ng P50 :)

s' vgal ang panget naman nung policy na un... kaya pala ko nacharge ng 300 sakto naman kc na nagwithdraw ako pero nagdeposit din the same day ung client ko ng check nagappear as current account dapat consider pa din un... madaya tlaga cla!  >:(


rich4ever

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Reply #7 on: Apr 02, 2012, 10:37 PM
The best for BDO is their Kabayan Savings account, very low maintaining and opening balance. Most of my online earnings are withdrawn on this account.

Customer service lang sila medyo bagsak especially BDO in Mall of Asia.


vgal0579

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Reply #8 on: Apr 02, 2012, 10:46 PM
s' vgal ang panget naman nung policy na un... kaya pala ko nacharge ng 300 sakto naman kc na nagwithdraw ako pero nagdeposit din the same day ung client ko ng check nagappear as current account dapat consider pa din un... madaya tlaga cla!  >:(

kung sa akin nangyari yan, the next day will close the account!  mga @#$%$# pala sila... bago kaya natin kitain yan sa stocks e  ganun kahirap, then sila hours lang me charge na ng walang kahirap hirap?!!!   >:( :hmmph: :fight1:

kidding aside, that system s&^*^ks....  :huh:


pocoyo

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Reply #9 on: Apr 02, 2012, 11:02 PM
tama s' vgal! evry centavo counts!  :cool2: kaya bukas humanda cla sa kin grrrr :bahalaka:


moishi

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Reply #10 on: Apr 02, 2012, 11:17 PM
Thanks vgal, thanks for clarifying. :-)
Sugod mga ka-PMT sa BDO! Aside from that, bumaba yung savings account interest rate nila from 0.5% to 0.375% per annum starting April 1, 2012.


sicalsem

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Reply #11 on: Apr 03, 2012, 04:46 AM
The best for BDO is their Kabayan Savings account, very low maintaining and opening balance. Most of my online earnings are withdrawn on this account.


Customer service lang sila medyo bagsak especially BDO in Mall of Asia.


I also opened a Kabayan Savings Account for my online earnings kasi sabi ng BDO customer service walang remittance fee pero 200 plus din pala. Kaya back to Union Bank ako.


mamee

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Reply #12 on: Apr 15, 2012, 07:31 PM
Monitor your BDO savings and checking accounts, and all your other bank accounts, and make sure:
your accounts do not fall below the maintaining balance
you do at least one transaction within one year for checking accounts, and within two years for savings accounts.  This is to avoid dormancy charges.

For BDO customers, service fees for dormancy and below balances have been increased effective February 1, 2011.
Dormant accounts will be charged 300 pesos for every month of dormancy.
Accounts falling below the maintaining balance for two consecutive months will be charged 300 pesos.
Checking accounts with automatic transfer facility will be charged 500 pesos.
It can be inferred that the below-balance charges will continue until the account is restored to the required maintaining balance,
or until the balance is already exhausted and then the account closed.


Maintaining balances for these BDO accounts:
BDO ATM peso savings — 2,000 pesos
BDO Passbook peso savings — 5,000 pesos
BDO Junior Savers — 500 pesos
BDO Regular checking — 5,000 pesos
BDO Smart Checking — 15,000 pesos


from :  http://www.workingpinoy.com/2011/01/bdo-deposit-accounts-baka-maubos-imbes-na-lumago/

Thanks for the reminder. :)


vhinsent08

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Reply #13 on: Apr 15, 2012, 07:55 PM
KASAMA BA DITO UNG OFW ACCOUNT???


jupiterjones888

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Reply #14 on: Apr 15, 2012, 09:47 PM
Kaya naging number 1 bank sila sa pinas kasi grabe ka garapal at hayop sa pagiging corporate greed and mga p*&^%$#@#$^&% itong BDO na ito. Noong una hindi ako naniniwala sa mga kaibigan ko na naririnig ko sa usapan nila. Subalit yung mismo nanay ko na ang nag karoon ng account sa BDO halos nawala ang lahat ng savings account niya.  Mas mabuti pa ang BPI at mas maayos ang sistema nila pagdating sa client nila. Now they have a BPI banko in which walang maintening balance at pwede mag deposit ng 50 pesos lang.

Pansin nyo ba na walang ibang banko sa mga mall ng SM kundi BDO? At halos open sila until sunday at extended pa until 6 o 8pm ng gabi.
Siguro dun nila binabawi yung mga charge nila sa mga depositor at client transaction nila. Grabe!

Whatta nice! yum yum yum yum....ping.. ping...ping...

BDO its more fun in the Philippines..


 


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