Wow, is that possible? What was the nature of the complaint?
The absence of Maruja Banaticla from the lineup of the UST Golden Tigresses has made ripples in the volleyball world.read more
While we don't espouse violence, one can't help get more adrenaline watching the game when you see players go at each other at all costs.read more
Jessy Mendiola's time is here. Patiently waiting for her turn in the spotlight, she is proof that good things come to those who wait.read more
Get a chance to win advanced screening tickets to The Hobbit: Desolation of Smaug!read more
The Meralco Bolts relied on speed and heavy defense to shock the Barangay Ginebra squad and win 100-87.read more
Wow, is that possible? What was the nature of the complaint?
For savings account, for an amount lets say 2k-4k per month, which among the 3 should be the suggested bank to open an account?
Im leaning on bpi direct because of its higher interest and online facilities. Any advantage or dis advantage of bpi direct over the others? Does online banking accessible also to bpi and bpi fsb accounts?
same po ba requirements ng bpi direct sa bpi easy saver to open an account?
You'd save more using a BPI direct savings ATM account than getting BPI easy saver at real physical BPI banks. Maraming small charges ang BPI easy saver which could really add up especially if you use the account often. Yung BPI direct savings ATM account nila, P500 lang ang maintaining balance which is a lot lower than those in regular BPI or BPI Family banks (P3000 and P1000 respectively and minimum balances nila).
@freelancerbabe, I just opened my BPI Direct Savings Account a mere 2 weeks ago and filled up a form online. I just got my ATM Kit yesterday and quickly topped it up with a few cash. Parang nahihibang ako ngayon dahil masarap palang mag-ipon!
I had a BDO Savings Account din pero payroll. I enrolled both accounts online but I'll probably use my BDO account more often than BPI though my BPI will get most of my funds every payday because of its use as my primary savings account.
The guys at the SM North branch where I got my kit were helpful enough to provide me with information, how to start my account, activate it online, and how to deposit.
For someone like me who has a family to support back home (not my "own" family but my family, meaning mother, father siblings...) it's good to feel that you get these kinds of accounts. My family gets nearly 50% of my earnings every 15th!
Pinaghirapan mong kunin yung requirements and you get to top it up when you have the money. I hope I could put a few perks in it like ATM Withdrawal restrictions (na kung pwede balance inquiry lang ang gagawin mo at hindi ka pwedeng magwithdraw) or interbank transfers (from my BDO account to BPI and vice versa, though may wire transfers naman pero hassle kasi because of the fees.)
May tsansa bang mag-implement ng minimal fees online yung BPI or at least yung other banks for an interbank transfer? I don't really expect it in the near future though but I'm "banking" on it if you pardon the pun.
Though now, I feel happy getting this account. And then I see it in real time in my laptop. Suddenly, it feels good to save.
buti ka pa mas mabilis sa iyo. mga one month bago ko nakuha ang kit ko sa nominated branch ko. siguro kasi taga probinsya ako. hehe.
pero tama ka, mas magiging madali kung sa BDO ka pa rin magba-bank, kasi nandoon ang income mo. hassle rin kasi ang maglipat ng pera papunta sa ibang bangko. sa BDO, gagawin mo na lang lahat ng fund transfer online.
sabagay, ok rin ang arrangement na magkaiba ang payroll bank mo at savings bank mo - mas magiging hassle pa mag-withdraw ng savings kung passbook pa yan. pero pwede ring iwan mo yung ATM card na nakalink sa savings mo sa bahay para di mo magastos - very effective sa akin ito.
with regards sa interbank transfers - kahit na hindi wire transfer ang arrangement (EFT usually) namamahalan pa rin ako sa charge. the usual practice ng banks is, may charge pareho ang sending at receiving banks. kung BPI ang receiving bank, mga P150 rin yan. Tapos iba pa ang charge ng BDO na sending bank, P200 ata. tapos hindi pa agad credited sa receiving bank real time - takes mga ilang days din bago pumasok sa account.
the only bank na walang charge sa sending at receiving ng funds sa ibang bank ay yung unionbank. so if you send funds from BDO to unionbank, sa BDO na sending bank ang may charge but you won't be charged by unionbank. if you receive funds coming from Unionbank to your BDO account, yung BDO lang ang magcha-charge.
kung gusto mong makaiwas sa sending at receiving fees, manual mong i-withdraw at i-transfer sa ibang banks. thousands or hundreds rin ang matitipid mo kung regular mo itong gagawin.
kaya ko nasabing hassle pag magkaibang banks, magastos at time consuming pa. sa case mo mas magiging convenient ang BDO kaysa BPI kasi doon ang payroll account mo.
Last edited by freelancer_babe; Dec 9, 2011 at 07:43 PM.
^^ Yun nga lang, yung BDO sobrang dami ang tao kaya di ko kakayanin yung linya
BPI kasi is more friendly to its bankers na din. The branch of convenience in my end is nearer na din (kahit na BDO pa't SM North malapit lang, my bank of convenience is in Ayala Triangle.) Although I have to admit that BDO's online interface is colourful compared to BPI's.
Another alternative I could think of is to open a checking account at BDO - same branch to where your payroll account was opened to avoid those small service charge fees. Do fund transfers via internet banking from your payroll account to your checking account.
Tapos write a check to yourself (as in pangalan mo), tapos deposit mo sa BPI account mo.
That way you do not need to always carry cash and make manual deposits sa human teller or ATMs. Pwede pa ata ang post-dated checks - check with BPI to be sure.
The only downside to this is that, checks take 3 banking days to clear.
I do this when I need to transfer funds from one bank to another without carrying the physical cash. Mas mura ito kaysa magtransfer ng funds via EFT.
^^ Siguro kukuha na lang ako ng other BDO account, withdraw, then go to the nearest depositing machine of BPI. Mura pa, walang hassle And then I might get a mutual fund which could use my applied BDO account.
I pulled out my BPI Current and Savings and TD. Di na ako natutuwa sa service. They wasn't even able to approve my CC Application. I transferred all my account including my corporate account to BDO. SI BDO, 9 days after application ng CC, nareceive ko na *** card. And so many privileges
9% interest for a 3-year term car loan
Parang rate ng BDO Employees)
Parang HSBC Advance na may pre-approved card, personal loan and more.
9 years, BPI...goodbye!
You can never say that you are very careful. Nangyayari ang panloloko kahit sa pinaka maingat na tao.
Also, machines could fail. Pag hindi mo nadeposit yan, then you're left to carry that cash all along.
Pero kung magkakatabi lang ang BPI at BDO machines, then this may be a suitable option for you. There's still that risk, but it's not as big as carrying the withdrawn money over longer distances. Saka mas mabuti kung parating gumagana ang BPI machine (remember machines suffer downtimes too).
But I don't get it, why open another BDO account? Sayang din ang minimum maintaining balance na nakahold. Passbook ba ang payroll account mo?
^^ Hindi naman, it's an ATM account.
don't worry boss; I live about 5 minutes away from SM North and di nagkakalayo mga bangko dun. If the deposit machine in BPI fails or di matanggap yung bills, I can do over the counter.
Now that you asked if I need to open another BDO account, I rethought about it and will probably get another direct savings account here in BPI as a "secondary" account if I ever put in some of my money in Mutual Fund investments.
^^^ ah, good to know that. I would agree with you that, that kind of arrangement would really work out.
^^ Pwede ka namang mag-apply kaagad-agad for another direct savings account di ba? Plan ko sana next week para lagakan ko ng aking Sick Leave conversion so that when my "padala-sa-bahay" freedom month comes next month, pwede nang ilagay sa mutual fund ko.
Question, what other banks provide a product similar to BPI's Maxi-Saver? I.e., tiered interest rates + 1% p.a. bonus when no withdrawals are made in a month.
The closest I can find is BDO's Optimum Savings, but it only offers tiered interest rates and no bonus interest. Also, withdrawals are limited to three in a month.
Thanks in advance!
naku bad experience sa BPI. Hinold account ko tapos hinaharass pa ako.
saang BPI branch yan?
Parang nag dadalawang isip na tuloy ako sa BPI.. I want to migrate to BDO parang ang dami ko magiging achievements sa bank na yun compare sa stiff na BPI! Young professional here. I already started saving money coz I'm planning to put up my own business soon.
go for the bank that works for you.
kung convenience hanap mo, then go for a bank na madali mong puntahan - probably the nearest in your place of work or residence. go for a big established bank, huwag mga rural banks.
kung gusto mong makatipid sa deposit/ATM fees, then consider BPI. avoid BPI though, kung mas preferred mo ang weekend banking sa human teller.
kung weekend banking, consider BDO. avoid BDO kung madalas ka nga lang kumuha ng online payments from paypal and other online sites - kasi malalaki ang fees nila. avoid them rin kung di mo masyadong babantayan ang account mo rito - malaki masyado ang minimum balance, dormancy at iba pang service fees nila.
teka pala, anong magiging achievements sa BDO ang mangyayari kung saka-sakaling pipiliin mo sila?