How many accounts do you have?

engrbitot95

Simulan ko.

I have three accounts on different banks. I follow the saying na "Don't put your eggs in one basket".

Savings accounts:
Metrobank 
BPI Family 
RCBC Savings 

How about you?

markapinya

engrbitot95 said:

"Don't put your eggs in one basket".

Yup. Not because it is unsafe but because they take turns in going offline. 

BDO always find ways to go offline when you need your money the most. BPI naman makes the best offline happen, so much so that it will sometimes last for days.

Not often but Security Bank does better offline banking. I don't have Metrobank, so can't comment. 

freelancer_babe

BPI - 5 deposit accounts (checking/savings), 2 investment accounts, 3 CCs. Dito kasi ang payroll ko, at dumami ang accounts ko sa kanila noong napaka-OK pa ng services nila.
BDO - 1 deposit account (savings), 3 investments
Landbank - 1 deposit account (savings)
Metrobank - 1 deposit account (savings)

SoulExchange

markapinya said:

engrbitot95 said:

"Don't put your eggs in one basket".

Yup. Not because it is unsafe but because they take turns in going offline. 

BDO always find ways to go offline when you need your money the most. BPI naman makes the best offline happen, so much so that it will sometimes last for days.

Not often but Security Bank does better offline banking. I don't have Metrobank, so can't comment. 

Funny yan ah, in fairness.

@Topic

BPI, BDO, PSbank. Eyeing security & eastwest in the future.

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Maybe its time for us to be educated of PEx's terms & conditions. Proper netiquette is a must. Common violations are: 7b, 7d, 7k, 7m.

Let's stop the childish act. Accept other's negative comments towards you. Accept also the fact other may or may not agree with your opinion.
Keep the discussion healthy.

neilruzty

All savings..

BDO - 2 Kabayan Accounts (different branches)
Metrobank
BPI Family
Unionbank
Landbank

pokemonaddict

4. All savings.

Bpi - 3 accounts (passbook, express teller savings and dating payroll account na automatically naconvert daw to express teller savings)
Bdo - 1 passbook

Soon to open an account with PNB and a checking account with BDO.

I was considering security bank pero medyo bitter ako sakanya lageng declined for cc lol. Kaya sa PNB ako magbubukas, since naapprove din ako ng ttc sakanya. Baka sakali makatulong sa future cli requests/auto cli kapag may SA ako kay PNB.

piquanteye

eastwest basex casa
pbcom savings
sterling bank solo savings

IronHandofJustice

BDO - 1 Passbook Savings and 1 Investment
RCBC Savings - 2 Passbook Savings and 1 Checking
Eastwest - 1 ATM Savings
Security Bank - 1 ATM Savings and 1 Investment.

Recently closed/dormant: RCBC, BPI, BPI Family.

Future Plans: Close Security Bank savings account. Might open a provincial based account in BPI Family Savings OR One Network Bank (malapit sa tinitirahan ko sa province) but this is not definite pa. Might want to add TD kahit maliit lang sa Eastwest before this year ends.

Sa ngayon focus muna sa pag grow ng balance kay BDO at RCBC Savings dahil imomove ko na papuntang SLAMCI Money Market ang 6 months worth ko na emergency fund.

markapinya

1. BDO - SA, CA, Trust Investment, Brokerage (Nomura): No one can beat BDO in interconnecting these products online (basta di lang down, hahaha). The least branch contact but has the bulk of my funds. 
2. BPI - SA : not using it but keeping it open as they are the easiest to transact with when I need to send funds overseas (rare but it happens)
3. BPI Family - TD, SA, CA, SDB : my BFB branch treats me really well. Sabi ko nga sa kanila di na pala kelangan maging Preferred sa branch nila  
4. SECB - SA : pang everyday transactional account dahil sa free ATM withdrawal.

? PSBank - Prepaid : sabi sa akin 'For Life' daw ito, kahit di ko lagyan ng pera at walang transaction, di nagsasara. 

allarickxander

BDO-SA
PNB-SA
BPI-SA
EW-SA
LANDBANK-GSIS AND PAYROLL
VETERANS BANK-SA
ONE NETWORK BANK- 2 SA

sagoatgulaman

1. BDO - 1 SA for payroll, 1 SA for savings, UITF and BDO Nomura
2. BPI - 1 SA for UITF, linked to BPI Direct Save-up
3. BPI Direct - 1 Save-up account for emergency fund with bonus insurance
4. CBC - 1 Passbook account for bond interest crediting (will close after bond maturity date), 1 ATM for UITF
5. RCBC - 1 SA supposedly for condo assoc dues but planning to close since they charge interregion deposit fee now

Want to try PNB because their branch is the closest one to our house in the province

markapinya

So where do we keep our accounts?
Tally so far

BPI/BFB/Direct : 21
BDO/ONB - 16 
Landbank and RCBC - 4 each
Security and Eastwest - 3 each
CBC - 2
PNB, Sterling, PBCom, Unionbank - 1 each

IronHandofJustice

IronHandofJustice said:

BDO - 1 Passbook Savings and 1 Investment
RCBC Savings - 2 Passbook Savings and 1 Checking
Eastwest - 1 ATM Savings
Security Bank - 1 ATM Savings and 1 Investment.

Recently closed/dormant: RCBC, BPI, BPI Family.

Future Plans: Close Security Bank savings account. Might open a provincial based account in BPI Family Savings OR One Network Bank (malapit sa tinitirahan ko sa province) but this is not definite pa. Might want to add TD kahit maliit lang sa Eastwest before this year ends.

Sa ngayon focus muna sa pag grow ng balance kay BDO at RCBC Savings dahil imomove ko na papuntang SLAMCI Money Market ang 6 months worth ko na emergency fund.

Update:

Got a TD placement in Eastwest and SLAMCI.

SB account has been closed.

RCBC Savings will be discontinued too since I moved my checking account to EW Bank and their merging with RCBC (more fees for inter-regional transactions kasi provincial ang account ko). 

carliks11

BDO- 1 ATM Savings (soon a checking account)
Metrobank- 1 ATM savings
Eastwest- 1 ATM Savings
Maybank - iSave account with ATM

northkid

BDO - 1 SA, NOMURA
BPI - 1 SA, 1 CC
CIMB - 1 debit SA, 1 SA (2% p.a. interest, parang TD)

im.an.emo.kid

Payroll account from BDO, and then savings accounts from PNB, RCBC, Eastwest and Security Bank.

freelancer_babe

freelancer_babe said:

BPI - 5 deposit accounts (checking/savings), 2 investment accounts, 3 CCs. Dito kasi ang payroll ko, at dumami ang accounts ko sa kanila noong napaka-OK pa ng services nila.
BDO - 1 deposit account (savings), 3 investments
Landbank - 1 deposit account (savings)
Metrobank - 1 deposit account (savings)

Update:

BPI - 3 ATM savings, 1 Passbook savings, 3 UITF (investments), 3 credit cards
BPI Family - 1 checking account
BDO - 1 ATM savings account, 2 UITF (investments), 2 credit cards
Metrobank - 1 ATM savings account
Landbank - 1 savings account, 1 RTB
HSBC - 1 credit card

greenhairedcat

BPI - 1 ATM savings, 1 CC
BPI Family - 1 CC
Security Bank - 1 Passbook with ATM, 1 CC
Chinabank Savings - 1 Passbook savings
Metrobank - 1 ATM savings/payroll
EastWest Bank - 1 CC

Addtl supplementary cards from my hubby:
Metrobank
HSBC

Planning to close Security Bank and BPI bec. I need my money to be fluid due to family reasons. Mataas kasi maintaining balance nila. 5k for SB and 3k for BPI. 

I am looking to open a basic account with EastWest kaso ang higpit nila sa IDs. Kuha na lang muna ako passport and TIN IDs this year.

I really like Chinabank Savings dahil 500 lang ang maintaining balance nya. Also, dito ako nagttransfer ng pera after ko magbayad ng bills etc.

For credit cards, I will close SB, BPI, BFB. Retain ko nlng si EastWest kasi I like their cash loans. Narealize ko mas effective ang supplementary cards pag nagmonitor ng cc transactions namin ni hubby. (Sorry 2018 ako naissuehan ng mga credit cards ko and it's been a whole new experience for me.)

lanestolker

greenhairedcat said:

BPI - 1 ATM savings, 1 CC
BPI Family - 1 CC
Security Bank - 1 Passbook with ATM, 1 CC
Chinabank Savings - 1 Passbook savings
Metrobank - 1 ATM savings/payroll
EastWest Bank - 1 CC

Addtl supplementary cards from my hubby:
Metrobank
HSBC

Planning to close Security Bank and BPI bec. I need my money to be fluid due to family reasons. Mataas kasi maintaining balance nila. 5k for SB and 3k for BPI. 

I am looking to open a basic account with EastWest kaso ang higpit nila sa IDs. Kuha na lang muna ako passport and TIN IDs this year.

I really like Chinabank Savings dahil 500 lang ang maintaining balance nya. Also, dito ako nagttransfer ng pera after ko magbayad ng bills etc.

For credit cards, I will close SB, BPI, BFB. Retain ko nlng si EastWest kasi I like their cash loans. Narealize ko mas effective ang supplementary cards pag nagmonitor ng cc transactions namin ni hubby. (Sorry 2018 ako naissuehan ng mga credit cards ko and it's been a whole new experience for me.)

Welcome to the credit cards world! Basta nama-manage lang nang maayos, it's definitely worthwhile compared to having just cash.

For savings accounts, ang problem ko with Chinabank savings although meron din akong passbook account like yours, limited lang branches nila dito samin. Hindi pa rin kasi mawawala at least for me ang mga branch transactions, kaya factor sakin yung branch availability at accessibility. Kaya ico-close ko na rin siguro to.

greenhairedcat

lanestolker said:

greenhairedcat said:

BPI - 1 ATM savings, 1 CC
BPI Family - 1 CC
Security Bank - 1 Passbook with ATM, 1 CC
Chinabank Savings - 1 Passbook savings
Metrobank - 1 ATM savings/payroll
EastWest Bank - 1 CC

Addtl supplementary cards from my hubby:
Metrobank
HSBC

Planning to close Security Bank and BPI bec. I need my money to be fluid due to family reasons. Mataas kasi maintaining balance nila. 5k for SB and 3k for BPI. 

I am looking to open a basic account with EastWest kaso ang higpit nila sa IDs. Kuha na lang muna ako passport and TIN IDs this year.

I really like Chinabank Savings dahil 500 lang ang maintaining balance nya. Also, dito ako nagttransfer ng pera after ko magbayad ng bills etc.

For credit cards, I will close SB, BPI, BFB. Retain ko nlng si EastWest kasi I like their cash loans. Narealize ko mas effective ang supplementary cards pag nagmonitor ng cc transactions namin ni hubby. (Sorry 2018 ako naissuehan ng mga credit cards ko and it's been a whole new experience for me.)

Welcome to the credit cards world! Basta nama-manage lang nang maayos, it's definitely worthwhile compared to having just cash.

For savings accounts, ang problem ko with Chinabank savings although meron din akong passbook account like yours, limited lang branches nila dito samin. Hindi pa rin kasi mawawala at least for me ang mga branch transactions, kaya factor sakin yung branch availability at accessibility. Kaya ico-close ko na rin siguro to.

I agree with you RE: Chinabank savings. Kaya itong savings ko dito yung ayaw ko magalaw. Ngaun pa lang kasi ako nagbbuild ng emergency fund naming mag asawa and sadly I came from a family na sa akin nakaasa ang finances.

I'm still deciding if I should open a BDO ATM savings. Naiisip ko na kasi yung weekend banking and online banking nila na mas convenient vs. BPI.

is0y

BPI is my main bank.
BDO for remittances from abroad
FICCO credit union, i'm splitting my savings here from BPI.