PEx Highlights

PHOTOS: UE Keep Final Four Dream Alive

Despite not fielding in Roi Sumang, the UE Red Warriors managed to get a 64-55 win over the NU Bulldogs.

read more

FIBA FEATURE: Do We Stand a Chance?

Do we really have a shot to make it through? JPM weighs in on the the odds of Gilas Pilipinas in the FIBA World Cup.

read more

PHOTOS: Daquis Bags V-League MVP Plum

Wonder who won the other awards? Check out the Shakey's V-League Awarding gallery here!

read more

Calling All Travel Bloggers!

Wanna get featured in PEx-Travel? Share with us your travel blogs and have your entries promoted around PinoyExchange!

read more

Watch 'The Legend Ends' Trailer!

Check out the trailer of the final instalment of the Rurouni Kenshin series, 'The Legend Ends.'

read more

MOVIE REVIEW: The Giver

Very promising, but tries too hard to fit in the mold of the Hunger Games/Divergent series.

read more

Results 1 to 12 of 12
  1. #1

    passbook w/ ATM or ATM only

    Guys need your opinion what do you think i should open? passbook with atm w/c has higher M.balance or ATM only with just 2k balance?

    w/c do you guys prefer?

    P.S.

    i know this is lame but i just want your opinion he he!

  2. #2
    depends on your needs. personally, if i like an atm based account then i would go for bpi because they have the largest network of atm machines in the philippines at the same time you can open at 500 only although the maintaining balance is 3k, you are given two month ends to build up the remaining 2500 plus you can get ur card instantly if you open at their kiosk. The bonus of this atm is that you can use it online to monitor ur accounts, deposit/withdraw over the counter anywhere without charges, debit card, international card, some branches and kiosks are open on weekends and you can request for a statement at any branch for free.
    The con is that in order for your account to earn interest, you must be able to maintain 5000.

    If you want the passbook with atm then I suggest BDO because like bpi it has a lot of accessible branches and also open on weekends. card is also a debit card, but they charge interbranch transactions and you can't withdraw until you have exhausted your daily withdrawal limit on your atm. If you're planning to open for savings, then I suggest this one coz it will discourage you to use your savings.

    disregard interest rates dear, think about flexibility and accessibility. it's just a savings account, no bank will give high interest for regular savings. if you're interest conscious then go for government banks like DBP or small banks like Philtrust they have 1% interest which is higher compared to large Unibanks.

    hoped i helped u

  3. #3
    thank you maam helped alot, i am leaning towards BDO passbook

  4. #4
    I have atm only and atm with passbook. From my experience medyo hassle kapag atm with passbook kasi ako whenever i go banking nasanay ako na puro atm lang dala ko pero kapag ang account mo at atm with passbook youll not be able to withdraw big amount or deposit if you dont have your passbook with you. So much hassle sakin lalo na kapag naisipan kong mag shopping then medyo mahal yung item and i want to pay with cash

  5. #5
    the truth hurts, does it? metropolitan's Avatar
    Join Date
    Sep 2000
    Location
    West Pacific Ocean
    i use internet banking extensively so i will just settle for a standard ATM only account.

  6. #6
    In BDO, there's a passbook with ATM option. The minimum balance however is 5K.

  7. #7
    just a question - what if you have an ATM account with passbook, and if so happens na nawala mo yung passbook - diba you have to close your account then open another one???? If that's the case, ATM only account without passbook is much ideal kasi, pag nawala mo lang yung atm card mo, replacement lang. You don't need to open another account. As far as I know kasi, any account that has passbook - as long as nawala mo yung passbook, you have to close that account and open a new one - mas hassle yun diba????

  8. #8
    this really depends sa needs mo.

  9. #9
    Serbisyong TUTONG! wireless's Avatar
    Join Date
    Mar 2009
    Location
    Wazzup Studio
    IMO, Passbook w/ ATM is redundant!

    if you want to SAVE, go for Passbook, hassle mag withdraw kasi

    if you want an INSTANT MONEY, go for ATM, ATM machines are almost everywhere.

    Your choice

  10. #10
    meron bang passbook, atm at checking account in 1 ang BDO?

  11. #11
    mbtc = account with atm and pass and checking = ACCOUNT 1
    bdo = atm with pass only
    bpi = either atm with checking, or pass with checking

    So MBTC only has the feature of having an ATM, a PASSBOOK and a CHECKING all in all.


    -correct me if im wrong.


    so for the question above..

    i prefer an ATM with passbook. to track all your transaction records. bdo is the best with this, lowest minimum monthly balance of 5000.

  12. #12
    ^ GE Money Bank din meron ATM, passbook at Checking..

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Advertisement


Advertisement


Advertisement

Hot Topics

GILAS:

Gallant Gilas Pilipinas drops to 0-3 after 85-81 defeat vs Argentina

Gallant Gilas Pilipinas drops to 0-3 after 85-81 defeat vs Argentina

read more
SHOWBIZ:

Veteran actor Mark Gil passes away at 52

Veteran actor Mark Gil passes away at 52

read more
MUSIC:

Eraserheads to release two new songs

Eraserheads to release two new songs

read more
SPORTS:

Philippine Army crowned V-League Open Conference champions

Philippine Army crowned V-League Open Conference champions

read more
UAAP:

Red Warriors keep Final Four dream alive with 64-55 win over Bulldogs

Red Warriors keep Final Four dream alive with 64-55 win over Bulldogs

read more
CHIT CHAT:

Anong masasabi mo sa Anti-Selfie Bill?

Anong masasabi mo sa Anti-Selfie Bill?

read more

Advertisement