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Now,I can't decide were can I deposit it. If ever that I will deposit my money worth 5, pesos to BDO savings account and I will not withdraw it until I will not deposit money for 2 months is there any penalty or deduction from my savings?

I need your answer. Best Account for a Student You can choose from these 3 accounts: Your question about penalty: There's no penalty if you don't deposit in 2 months or several months, because your account balance 5, is bigger than your maintaining balance requirement 2, or 1, There are 2 penalties that you pay attention to: Maintaining balance penalty and dormancy penalty.

Dormancy occurs when you don't withdraw or deposit within a period of 24 months. I'm glad you plan to save in a savings account. That's a good sign of someone who will be successful financially. Good evening, can I ask you a question about minimum balance from BPI Savings account not from me cos I am not from the Philippines, but this is just an example because I have a cousin who is with BPI too.

She said to me if you withraw 10K, they will close her account. But I am not sure how much balance you're allowed to have it? She said she's only allowed up to 10k pesos. I am still confusing It's a long story because I don't believe what my cousin said.

That's why I had no idea on BPI or what their rules are. Like what you said the balance that you allowed is 1K pesos, right? Then, why would my cousin say the BPI will close her account if she withdraw 10K pesos. It's true that she's got my money from 3 years ago that I lend her borrowed. I really don't like the way she said it. If your cousin said her maintaining balance was 10k, then her account must be a passbook account.

If it's 1k, it must be an atm-only savings account at BPI Family. If it's 3k, it must be a BPI atm-only savings account. About automatic closure of an account: An account is automatically closed if it's balance becomes zero 0. If your cousin's balance is exactly 10k, and she withdraws 10k, then her account is automatically closed because the balance becomes zero. However, BPI allows the account owner to reactivate her account.

She goes to her branch and reactivate. She pays penalties if she waits for a long time to reactivate. In simpler terms, if the maintaining balance requirement is 10k, you must have 10k or more everyday in your account.

If there's a day or days that the balance is less than 10k, make sure that in the other days, the balance is more than 10k so that when the average daily balance ADB for the month is computed, the resulting ADB is still 10k or more. You are so right. Actually, I think she has the bank card for savings. I didn't see her having a passbook when I last went home for holidays. If have my bdo checking account with maintaining balance of 5k. My current balance as of today is 8k.

What will happen if I withdraw 5k and fall below my maintaining balance? When should I deposit 3k to avoid penalty. About 5k maintaining balance: Was your 8k balance since Feb 1? If yes, or if you were able to maintain your balance in February, then even if you fail to maintain your balance this March, as long as you maintain your balance in April, then you will not fall below the required balance for 2 consecutive months, and you won't be charged.

The penalty is charged if you fall below the required for two consecutive months. But what is your bank? There are savings banks that have a different definition of maintaining balance. For these certain banks, they want 5k to be on the account every day of the month.

For many other banks, the maintaining balance is minimum Average Daily Balance, which should be the correct one. Denise Resurreccion March 25, Hi po what about if the balance becomes negative since there's a deduction po for easy saver per transaction; will the account close?

I think the atm will not allow you to withdraw if you withdraw all without providing for the 5-peso fee. It will say "Insufficient funds. ELA, about below-maintaining-balance penalty hello po Mrs Nora, thanks for sharing the info.

I have BDO peso passbook savings account. If you maintained 10k for the whole month of March, you'll not be charged this April. I made a post to answer your question: Hi There, Seeking your help here guys. Balak ko kasi mag deposit sa BPI family savings account. What does it mean?.

Thank you in advance. I plan to deposit to a BPI family savings account. Easy Saver does not require you to maintain an amount in your account. But if you like to earn interest, maintain at least 1, pesos in your account. In exchange for no maintaining balance, you pay 5 pesos for every atm withdrawal and every atm balance inquiry.

This is better than having to pay pesos every month if you're not able to maintain your account. Good morning ma'am Nora, ask ko lng po bkit ung 20k na deposit ko sa rural bank nung jan. So instead na 30k balance sna nging 25k lng.

Pls help ma'am coz I segregate the money for giving birth on oct eh nbwasan nman. This april 25, I deposited 10k. So instead of a 30k balance, it has only 25k. Pls help cause I segregate the money for giving birth on oct and it was reduced. I wish you asked your bank immediately when you made the deposit. Do you have an atm card?

Are you sure no one used your atm card to withdraw? Or your passbook to withdraw? Go asap to your bank and ask why there was a 5k deduction. I hope you can comment again here to write what the 5k deduction was about. Hi, can i ask if i can still use my metrobank atm card after 1 year not using and no maintaining balance?

I think your account is already closed. Usually once an account gets to zero or negative, it's automatically closed. Try making a balance inquiry at a Metrobank machine and see the response. Hi ma'am,pnuntahan ko po ung bank at slmat nman at ngkmali lng sila ma'am dun sa pgdeduct ng 5k, my nksbay dw kc ako ngwidraw e ung account number ko dw npindot nila, so un dinagdag ulit ung 5k.

Sabi ng teller buti daw my pera pa sa account ung tao kya sa knya nila ideduct.. Good eve po mam nora kapag nagchecheck po ako ng balance sa metrobank ang lagi pong sinasabi e Your requested amount is greater than your balance.

I was told there was another one who also withdrew the same time as me, and they entered mistakenly my account number. So they credited back the 5k. The teller said it was good the account of the other person still had balance so they were able to deduct the amount.

Thanks a lot for coming back to tell us what happened. I'm glad that they've credited back the 5k, and at the same time I'm so sad that they committed that mistake. What would have happened if you were not checking your balance? Banks should not commit that mistake. It's sad that some tellers are not giving full attention to their work, knowing that they're handling other people's money.

But that also happened to my friend's account in a big bank, but it's the other way around. About k plus was added to her account. The next day, the k plus was gone. It meant that the money was deposited to her account by mistake, and it was discovered the next day.

The lesson here is we should constantly check our accounts. Ryan Tugas, Eastwest atm account May 3, Good eve po mrs nora. Whenever I check my balance at metrobank, the response is always Your requested amount is greater than your balance. Other times the response is Insufficient funds. My atm card is Eastwest. Is it possible that my account is already closed?

I'm waiting for money coming from philam life. Hi Ryan, I think your account is still active because you're still getting a response. Usually the response if an account is closed is Inactive account or Invalid account or Account does not exist. Maybe your balance is not enough to pay the other bank's atm fee. Try making a balance inquiry at an Eastwest machine. BDO atm savings account with balance of only Hi good day.

Would like to ask po if on April 27, my bdo atm savings account balance is only pesos. Or pesos penalty will be deducted and will close? I plan to deposit money by May 5. Did you maintain 2k or more in your account all the days of March? If you maintained 2k or more in March, you won't have a deduction for April even if you fell below the balance in April. But the last day of April has passed, so it means you can now make a balance inquiry to see if your account is already closed, or if your account is still active and the is still there.

Last may 5 ko sya na withdraw this month Withdrawal of maintaining balance May 16, Good day po. If I withdraw my 2k maintaining balance from the atm, will it close automaticaly or is there an allowance before it's closed?

Last may 5, I made the withdrawal. Now I'd like to deposit again, can I deposit again? Is there some money cents or few pesos left in your atm account? If there's some money, your account is not yet closed.

But if the balance is 0. You can check by making a balance inquiry at your bank's atm. If your account is BPI, you can reactivate your account by depositing at your bank branch.

But you must maintain your account in June because if not, you'll be penalized with a deduction of pesos. Remember the rule regarding 2 consecutive months of falling below the required balance. With other banks, they don't allow reactivation. I have a question about Metrobank atm? I check my metrobank atm account balance online and my balance is negative P which is 2 months service charge-below balance requirements.

Last deduction was April 29, The minimum requiremwnt was P2, Will it close automatically? Hi FlyHigh , based on comments on our blogs, Metrobank does not automatically close accounts when the balance becomes zero or negative.

They're hoping the account owner would deposit money again. But obviously, most account owners would no longer want to deposit money just to be eaten by bank fees.

It would be better to open an account in another bank. Eventually, Metrobank will close your account, as it will do them no good to keep on maintaining your account. If you don't have another Metrobank account, close your online banking account -- that's another sign you don't intend to keep your account. If you're bothered about your account, you can go to your branch and tell them to close your account.

But if you don't have time, there's no law that says you have to formally close your bank account. Banks though have a rule which says there's a penalty, usually pesos, if you close your account within one month after opening. I'm assuming you've kept your account for more than a month.

My mom gave me money to buy an iphone as a graduation gift pero naisip ko after ilang years mawawalan sya ng value and now i am planning open a BDO passbook and deposit some of the money my mom gave me kung mag dedeposit ako ng 10 k as an initial deposit and another 5k next month since wala pa akong job balak ko sana sa september na ako maghuhulog ulit magkakaruon bako ng deduction?

My mom gave me money to buy an iphone as a graduation gift but I thought after a few years, it will lose value and now i am planning to open a BDO passbook and deposit some of the money my mom gave me.

If I deposit 10k as an initial deposit and another 5k next month, and since I have no job yet, I plan to deposit again in September. Will I have a deduction then? I'm so glad you're so mature. Others will be rushing to buy an iphone. And you're right, phones depreciate fast, as new versions are being released after just a short time. Its maintaining balance requirement is 10k. About your question regarding deduction: No, you'll get no deduction because 15k is higher than the 10k maintaining balance requirement.

You're not required to deposit every month, as long as your balance is above the 10k requirement, and as long as you do not let 24 months pass without any deposit or withdrawal. As you're still looking for a job, I suggest you open an atm savings account. Its maintaining balance requirement is only 2k. This is not doubting your ability to save, but this is just to be sure that you'll be able to maintain your account for a long time. But if you're very sure you can maintain a 10k account, go, apply for a passbook account.

I hope you find a good job soon, and continue to save a lot. Nora I just want to ask po, kasi my bpi acct. My posibility po ba na close na yung account? Kasi nag deposit po ngayong araw ung husband ko thru remittance. Or mag dededuct sila nang penalty para sa 6months na yun?? Hi Dio Mondejar , I wished you told your husband your account status. Yes, I think your account is already closed. But BPI allows reopening. Try making a balance inquiry at a BPI atm.

If it says your account is inactive or closed, visit your branch and ask if you're going to pay penalties if you reactivate your account. You might be asked to pay below-balance penalties for 5 months that's about 1, pesos. Ask them what happens to the remittance if you will not reactivate your account because of the penalties. You will ask this so that you can ask your husband to amend his remittance from deposit to cash pickup at BPI.

It does not require a maintaining balance, but you pay 5 pesos for every atm withdrawal and every balance inquiry. Hi I opened an account for jumpstart sa bpi last March and dahil sa dumating na summer hindi na ako nakapagdeposit ever since na buksan ko yung saving acc ko possible po bang nakaclose na yung account ko ngayon?

Ngayong pasukan palang po ako balak magsimulang mag deposit. Hi Kary how much was your balance? If less than , your account might have been closed already, as the penalty for falling below the required balance is If it's active and you deposit again, you must deposit at least 1, and maintain it, so that you won't be charged again at the end of this month.

It's if opened at BPI Family. If ever i meet my MADB for this month though my remaining balance for the end of this month is P1, Will i get charge for the penalty po ba because my balance is below 2k though i exceeded the MABD? Hi Chris, first the penalty is charged if you fall below your required MADB for 2 consecutive months.

Now, about your question of having only 1, at the end of the month, but you maintained your MADB for the month: No, there's no penalty because you maintained your MADB even if your month's end balance is only 1, This means you had higher amounts much more than 2k during the other days of the month, so when your MADB is computed, the MADB is still higher than 2k.

Can I ask a question? I have a UCPB atm account. The maintaining balance is 2k. I always deposit every month for the car loan that matures every 11th of the month. If in case that I withdrew 5days before the end of the month.

And deposited on 2nd day of the following month. Will i be penalized with ? Hi Syetepie, how much do you deposit every month for the car loan? And how many days does it stay in your account? Do you deposit that amount on a certain day and then the next day it's debited for the car loan? So it stays in your account for only one night? And most days your balance is only 2k?

I usually deposit the amount every 30th of the month then it is debited every 11th of the month. It is always in maintaining balance of 2k. I transfer money to other banks because I am afraid of double debit.

What if tomorrow i withdrew which will make it below 2k. Will i be penalized? Even if i replenish it by end of month? Hi Syetepie, since you did not write the amount deposited for your loan, I can't compute, but you can compute. Add all your end-of-day balances for each day of the month. If your total for the whole month is 60k for day months or 62k for day months or more for the month, then you have maintained your account for that month.

The peso penalty is charged only after you fall below the 2k average daily balance for 2 consecutive months. This is charged from month to month until you restore your account to maintaining-balance level. So if you fall below the balance for a certain month, make sure you maintain the required balance for the following month. I can withdraw the and should replenish it soon before the end of month to avoid penalty.

Hi maam, ngapply aq ng Bpi express teller saving accounts nung ngwowork pa po aq initial deposit nya 5h and may mMADB na 3k po from po until now no transactions po.. BPI atm account opened in with initial deposit of and no additional deposit ever since I suggest you no longer reactivate this account, as it was most likely closed about 3 months after opening, as you did not maintain it.

It's not practical reactivating it as you will be required to pay huge penalties. It's better that you open a new account. Security Bank account with 5k maintaining balance hi po. I opened an account last month at security bank, with 5, maintaining balance. But I withdrew yesterday 4, I might be able to return the money towards the end of july.

Do I need to pay a penalty in july when I deposit? My balance is only so I plan to add money for the penalty when I'll deposit in july.

Do you mean you opened your account in May? This June, you have not maintained your account because you withdrew 4, Assuming you have maintained your account in May, you will not yet be penalized because it's only this June that you have not maintained your account. To be sure, make a balance inquiry at an SB atm in July 2 to confirm if your account is still active.

If still active, and if you deposit again towards the end of July, you will be charged pesos on July 31 because you have not maintained the required balance in June and in July. Make sure you maintain your 5k in your account every day of August.

If you're still starting in your career, it might be better to close your account and open a BPI Easy Saver or an account with a 1k maintaining balance. No penalty at end of day today, June 30 or early July 1.

You'll be charged at end of day on July What if I I reactivate my account? It's better that you do not reactivate your account. It's been closed for a long time, and it's not wise to pay a big amount of penalties just to reactivate. You can open a new account with BPI and then maintain it.

Or you can click the BPI Easy Saver link above this comment to read about a no-maintaining-balance account. I just happen to know about your site today, i find it really helpful and concise. I had this reported to bpi and they told me na hindi ko daw na maintain ang P ADB. I tried to follow yung instruction nila to keep a maintenance amount of 3k or more yet again, I got another service charge of P Also, I read from their email saying 'your account can be waived for incurring monthly service charge fees if you are receiving at least 1 remittance s per quarter'.

In my case, I have been receiving remittances 2x every month for more than I year now. Tama po ba ang intindi ko na - kung meron kang remittances na natatanggap hindi ka dapat magkaroon ng mga service charge monthly kahit hindi ka nakapag-maintain ng ADB mo? I hope you can enlighten me on this matter. Looking forward to hearing your reply. Thank you po, in advance.

If your maintaining-balance requirement is 3,, then your account is not the BPInoy account which can be maintained by a foreign remittance of at least once every quarter. You should maintain 3, pesos or more in your account every day of the month. If not everyday, maintain a much higher amount in several days of the month so that when average daily balance ADB is computed, your ADB will result to 3k or more.

I suggest you open another account with a lower maintaining balance or if you like the BPI Easy Saver account. This is zero maintenance, but in exchange, you are charged 5 pesos for every atm withdrawal and every atm balance inquiry -- it's better than being charged pesos. After your new BPI account has become active, inform your sender you have a new account, and after he has replied, close this 3k-maintenance account, and say goodbye to penalties.

Thank you for your suggestion Ms. Tamba, that was truly helpful.. I just wonder why my account has changed that way, kahit ako po nagtataka since this was just a normal savings account. As you know, I have been asking tons of clarifications thru their email account, but each time BPI would reply - they would write me a lot of technical terms which in most cases difficult to comprehend, if not, mostly vague answers parati..

Anyway, I'm glad I read about this page.. Thank you once more. And I hope marami pa po kayong matulungan.. Nora, this is my question The balance will go back to 5, I will assume that you withdrew 3, because you said you will deposit back 3, I will assume also that you will deposit today, July 6. July has 31 days, so your total of daily balances for the month should be , from 31 x 5, From July 1 to 5, your total of daily balances is 10, from 2, x 5.

So you need , more to have a , total. Do not withdraw until August. Ok Thank you maam. Nagkamali ako ng type. Ibabalik ko ang 3, Kaya ako napatanong kc iba sabi ng taga BPI.

Dapat 5, daw deposit ko to make it 7, para secured daw na hindi ma service charge. Masyado naman yata malaki. I keep on arguing and explain everything about madb computation pero they insist na dapat 2, daw madagdag sa maintaining bal na 5, Hi Norman , that's great.

I'm so glad that you are computing. Compute again, kasi iba na yong computation ko dahil you said you re-deposited 3, only. Basta dapat at least , yong total ng daily balances from July 1 to July About the tellers, busy kasi sila, so iisip na lang sila ng safe answer, so tataasan nila.

Compute ka uli, to be sure. I have a powerteens savings account in BDO 2, minimum balance and nung June 29, I converted it into a regular peso savings account 10, minimum balance. BDO has been deducting pesos for 3months March, April, May already from my powerteens account since I wasn't able to maintain it.

However, when I checked my account this July, they still deducted in my newly converted account. I went to my branch to ask about this since I just converted my account and I expect na bago po ulit lahat, na hindi na counted yung previous balance ko for the MADB. I'm not satisfied with the answer of the branch officer.

She said that the deduction is still connected from the previous month which I don't believe since I just converted my account. There was no advise from the teller who assisted me that my account was still below the maintaining balance when I converted it. If only I knew this, I would have just close the account and open a new one instead paying pesos again for the service charge or nagawan ko pa po sana ng paraan para mameet ko yung MADB.

BDO Maintaining balance penalty: Hi NA, I'm puzzled why you converted into an account with a bigger maintaining balance, from 2k to 10k, when you said you are not able to maintain the 2k-maintaining account.

Sorry but you were not able to maintain your account, so they deducted the penalties. Ang hindi lang maganda ay alam na nila na you failed to maintain the 2k-maintaining account, why did they offer you the 10k-maintaining account? Anyway, just learn from the experience and see what you can do better.

Do you need this BDO account for remittance from your parent or relative abroad? Are you allowed to open an account in another bank? Because you can open a zero-maintaining account in another bank. Then tell your sender you have a new bank and new account no. Easy Saver is good for young people who are still starting handling their finances.

It's better to pay 5 pesos for every atm withdrawal and every balance inquiry than paying pesos every month for maintenance. There's this letter po from BDO that says that the powerteens account will all be converted into a regular savings account which has a 2k minimum maintaing bal. I choose the latter because I can retain my account number and I needed a passbook.

I've been with BDO for 5 years already and it's just this past few months that it went below because I am very busy in school that I can't even deposit my savings in my account. It's actually the first time that I experienced this deduction in 5 years. I'm disappointed with the teller for not advising me that there might be a deduction if I will still continue the account considering it will fall short on the required MADB of 10k if I got it converted.

She was also shocked about it when I returned and asked her since she also believed that it just got converted so why the deduction. She asked the branch officer and the officer told me "Diba ikaw naman yung may gusto na i-retain yung account number. Tsaka below maintaining ka kasi last month, connected yung ngayon sa last month mo kasi for 2 consecutive months na below madb may deduction.

But since I got it converted to 10k in the last week of the month, the madb will really fall short. If only the teller advised me about that sooner then I'd make a better decision. They can actually see po pala in their monitor if your account is below maintaining or not. Sa tingin ko po hindi natignan ng teller yun. Regarding po in opening an account in other bank, BPI is not a good choice for me. I'd still choose BDO. This is a lesson that I just learned in my 5 years relationship with BDO.

Thank you so much for your response Ms. Thank you for commenting again. You're financially savvy, so I'm happy for you. It's great to know you're able to save from your allowances, and you're able to make wise decisions.

Yes, it's also good to have a passbook so you can see your records of transactions. Keep being smart, keep saving and have a nice day! This blog is very helpful. I now understand my MADB of 5, What is the Minimum Balance to Earn Interest needed worth 10, Is that the amount I should have so I can get 0.

If they're computing interest quarterly, you should be able to maintain at least 10k for 3 consecutive months to earn interest. As of January pesos ung natira sa balance ko sa Metrobank.

Mula non d pa ako nkapagdeposit till now. Does that mean na 6 s ung penalty sakin? And what should i do if i just want to close my account. Hi Ken Metrobank account: If Jan was the first month your account was below maintaining balance, yes, you're right, you have been penalized 6 s, and your account balance is most likely -1, Make a balance inquiry at a Metrobank atm.

If you can see your account balance, or if it says "account on hold," it means your account is not yet closed. If it says "account closed" or "account not existing", then closed na ang account mo, and you don't have to do anything.

If your account is not yet closed, you can either ignore it, or visit your branch. Majority of people would do nothing about it. Common knowledge naman na pag hindi na-maintain ang account, the bank penalizes the account, at pag wala nang balance, it automatically closes the account. Ito lang kasing Metrobank, there have been several people who have commented here and in some Pinoy forums, that after some years of leaving their Metrobank accounts inactive, they were surprised to receive a letter from Metrobank, instructing them to go to their branch and close or reactivate their account.

The question is why would Metrobank maintain an inactive account for many years. Meron din namang isa who said that after getting the letter, he went to Metrobank, and the teller told him to ignore the letter as it was a miscommunication. But if this issue bothers you, and it is a big thing for you, wala namang mawawala if you go to your branch and ask the teller "closed na ba ang account ko?

Pag hindi pa, ask them, "please close na. And never pay anything to close. Wala kang dapat bayaran. Wala namang rule sa closure, except yong peso penalty if account is closed within 30 or 60 days after opening, at yong the bank has the authority to close your account for a valid reason.

Very helpful po mga information ninyo.. Salamat po ng marami. Maganda ang Optimum kasi pang-savings talaga itong account na ito. Higher ang interest rate kesa sa regular accounts. Pero I suggest na i-open mo lang ito kapag meron ka nang existing bank account at name-maintain mo ito. It means na kayang-kaya mo nang mag-maintain ng high-balance savings account at hindi ka withdraw ng withdraw.

The maintaining balance of Optimum is 30k, so you should maintain at least 30k in your Optimum account, everyday. If there are days na less than 30k, dapat during the other days, much more than 30k ang balance para at the end of the month, pag i-average na, 30k pa rin ang average daily balance for the month.

The penalty for below-maintenance is per month, every month na hindi na-maintain, starting on the 2nd consecutive month the account was not maintained. Go, start saving, or keep on saving. Hello, tanong ku lang po tungkol sa maintaining balance, for example 2k, i have 2k on the first day of the month and still 2k on the end of the month, magkaka'penalty po ba ako? Let's say na 2k ang maintaining balance requirement. Kung every day of the month, from the first day of the month to the last day of the month, andon yong 2k mo, na-maintain mo yong account for the month.

Pero kung first day and last day lang andon yong 2k mo, at yong ibang araw ay cents lang or few pesos ang laman, hindi mo na-maintain yong account mo for the month. Buti na lang ang rule is magka-penalty ka lang kapag hindi mo na-maintain ang account mo for 2 consecutive months. Halimbawa, hindi mo ma-maintain ang account mo this August and next month, September -- magkaka-penalty ka ng pesos sa Sept Nora Thank you for this blog.

Everything is in laymans term. Do you work in a bank? If so, can you also talk about different investments for an average juan. If you already have, can you send me a link. I like the way you discuss topics, it is easy to understand.

Hi girley , thank you so much for your encouraging words. No, I don't work in a bank. But I've been a client of banks and their products since I was very young. And I've had lots of both bad and good experiences with them over the years.

I'm glad you're interested in basic or not-complicated investments. Ganon naman dapat -- invest tayo starting with those that we understand fully, and then gradually read up on higher-level investments. If you're just starting, you can put your money in a time deposit. Puede sa BPI Family Bank, the biggest savings bank, or puede namang any bank near your residence or work. Pag malaking pera, of course, dapat sa any of the top 20 banks na. PDIC's deposit insurance covers only up to , pesos.

Puede rin sa Pag-ibig's 5-year MP2 savings scheme. Cherry Te August 29, hi po mrs nora, ask ko lang po di po kase ako nakakapag hulog sa passbook ko ng almost 2months?

Hi Cherry , oks lang that you haven't deposited in 2 months because you have at least 10k in your account. This means your balance is far above the maintaining balance requirement.

Yes, your balance is earning interest. The interest rate for savings accounts though is super low, so don't expect much. Your goal is to save a lot so that later on you can transfer your money into a time deposit.

You can also read about mutual funds and real estate now so later on you can invest in mutual funds or real estate. I will look into Pag-ibig's savings program. Also, I already like your facebook page so I can get informative updates from you.

Nora, may God Bless you always. Because what banks compute is the average daily balance for the month, not the balance at the end of the month. If you add all your balances every day of August from Aug 1 to 31 , there should be at least k, so that when k is divided by 31 days, the result will be at least 10k.

By the way, the penalty is charged on the 2nd month the 10k ADB is not maintained, so this means you also did not maintain your account last July. Kapag naka-more than 1 month na yong account mo, okay na siya na i-close, if you like. Kung ma-widro mo lahat up to the centavos, at mag-zero balance 0. Kung closed na, wala ka nang account, and no more account to worry about.

Pag merong matira na centavos, ma-automatically close siya at the end of the 2nd month. After you withdraw your 2k at merong matira na, for example, 98 pesos, puede mong gamitin yong atm card mo sa supermarket pambayad ng anything worth 98 pesos, if you like.

Hi, ask ko lang po.. Ngayon i'm in debt with pesos in my account. Question ko lang po eh kung possible na ma waive yun since ang purpose lang talaga nung metrobank account ko is for payroll purposes.

Gusto ko na din kasi i close yun since di ko na nga ginagamit yung account ko dun. Ang mga banks talaga naghahanap kung saan sila puedeng maka-profit. Wala namang banking rule that an account owner should close his account formally. Eh kung wala nang laman, dapat automatically i-close na nila. Lahat ng mga sumulat ng ganitong case ay all former Metrobank account owners.

Walang taga ibang bank. Eh super dami kaya ang nag-o-open ng account tapos napapabayaan na lang. You can ignore it.

Wala ka namang na-violate na banking rule or law. But if it bothers you and you keep thinking about it, at malapit lang naman ang Metrobank branch sa yo, you can visit your branch and tell the teller you are closing your account because you have left the company that got you the payroll account.

If ever you are required to pay, ask them what it's for, and tell them it's the first time you have encountered such a requirement like that. Never never pay anything. Wala kang na-violate na rule or law. Wala kang liability sa kanila. Hi Nora Thanks sa info.. Now I can finally sleep well. Thanks for coming back to share your experience.

May nalaman na ngayon ang mga nag-a-awol na puede pa ring maibigay yong back pay nila. At tip na rin sa mga payroll account owners na maganda rin na iche-check yong atm card nila from time to time kung merong possibility na meron pa rin silang back pay. Sayang din yong 2k. Pero anyway, ok na rin at solved na yong iniisip mo.

Thanks again for sharing! Have a good night's sleep. Nag withdraw po ako nung July 18, hindi ko po na-maintain ang 3k balance sa account ko. If magdeposit po ako ng 3k or above sa account ko, magde-deduct po ba ulit ng pesos this month?

Hindi ko ma-compute ng exact kasi hindi ko alam kung magkano ang balance mo from Sep 1 to today. Ganito ang gawin mo: There are 30 days this September.

At sabi mo 3k ang required maintaining balance mo. Multiply natin ang 30 days x 3k. Dapat kapag i-add mo lahat ang balances mo every day from Sep 1 to Sep 30, ang result ay 90k. Ngayon, kung mas mababa sa 90k, dapat dagdagan mo pa yong ideposit mo, hindi lang 3k, para 90k or more ang total result if you add all balances every day from Sep 1 to Please comment na lang uli. When i deposit 4k every month i will never have any penalty???

Oh that would be great! You'll be able to save a lot of money! Implement this plan and you'll be glad you started saving early in your life. How much is the required maintaining balance of your account? I hope you already have this amount in your account when you opened it, and that you have maintained it.

And now that you plan to deposit 4k every month, yes, sure, your account will never have any penalty. Maam, my remaining balance from my bdo account was 1 thousand pesos only, last march pa yun. Now yung mother ko nagdeposit ng thousand pesos from greece at pumasok naman, pwede ko kaya makuha yun ma'am? Yes, puede mong widrohin kasi account mo yan. Ang maximum withdrawal limit sa ATM is 50k per day. Ang maximum limit per atm witdrawal is 10k. If you need to withdraw more, withdraw the rest over the counter.

Sabi mo 1k na lang ang balance mo last March , at your mother sent k. Ang balance mo ba ngayon is k plus? I asked kasi nakakatuwa naman na hindi nagbawas ng penalty ang BDO kahit walang foreign remittance in the past 18 months, or hindi na-maintain over the past 16 months. I hope you can comment again.

I mean po dipa ako nag update at tinatanong ko po kung clinosed or dormant na ung account ko ma'am. Regular peso savings po Last transaction last march po.

Like Frisco, I am not interested in animation of the equipment, but the realisim. Oh and can you tell me how you make your skins, please? Is there a program available to extract rar. They took me quite a long time.

Richard, you will need to download one of the penis mods in order for them to be equipped. I want to thank you for all your wonderful creations, and the fact that you share them so generously. You are a talented artist, and so professional! Wishing you the best! This might be a stupid question and perhaps I have not searched well in this site, but how can I Install these skins?? But how do I get them nude?

But how can I set my sims walk around naked? I downloaded the Female skin default, and I put the. I know this is old stuff, but I downloaded and the skill seems to be working but without its fun parts. So not sure if its cus of the new patch or what not.

Do you have idea what would be wrong? I know you have not been logging in regularly for a while, but with good reason, so first of all, congratulations! May your bundle of joy be always happy and healthy! Second, thank you for your work! I love your stuff, and I have been using it, especially the skin and wearables for almost 3 years now, and I am very happy with it.

Third, a plea for help. What do I mean? The cleavage skin for instance. It looks good, all my female sims are happy. But it also appears in CAS for male sims, only for them it looks totally barbie.

The same for the male skins. They look good on guys, but they also appear in CAS when I select female sims, just without any details. As I am using more and more different ND skins, that makes it a problem of space and it makes skin identification a lot harder. First off, I absolutely adore your skins! The subtlety of the facial features is absolutely beautiful! But I was wondering if you ever added a non-muscular version of your Naughty Male skin?

If you added a non muscular version could you tell me where to find it? Mail will not be published required. You can use these HTML tags. Discuss on our WP Forum. Let me know if there are any issues with the skin files.

The files are now all rar files so you will have to unrar them before installing. If you download only faces then your faces will be mine and your bodies will be whatever default body skin you are using. If you download only bodies then your bodies will be mine but your faces will be whatever default face skin you are using.

Uncensored shots are here , here and here. December 5, at 1: December 19, at 9:

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