BDO Deposit Accounts — Baka Maubos Imbes na Lumago

Updated May 6, 2014

Monitor your BDO savings and checking accounts, and all your other bank accounts, and make sure:

  • your accounts do not fall below the required maintaining balance
  • you do at least one deposit or withdrawal within one year for checking accounts, and within two years for savings accounts.  This is to avoid dormancy charges.

Dormant accounts below the maintaining balance will be charged 300 pesos for every month starting from dormancy until it is reactivated. Pag hindi ma-reactivate, tuloy-tuloy ang 300-peso monthly charging hanggang maubos ang account balance at ma-close na ang account.

To reactivate your dormant account, you need to present yourself at your branch with your valid IDs.

Accounts falling below maintaining balance for two consecutive months will be charged 300 pesos on the last day of the second consecutive month.

If on the 3rd month, the account is still below the maintaining balance, another 300 pesos will be deducted. The charging of 300 pesos will continue every end of the succeeding months until the account balance is wiped out, or until the account is restored to the maintaining-balance level.

Maintaining balance requirements for these BDO accounts:

ATM peso savings account — 2,000 pesos

Passbook peso savings account — 10,000 pesos

Kabayan peso or dollar savings account — None, but you need to make at least 1 remittance from abroad every 12 months.
If your account does not get 1 remittance from abroad within 12 months,
your account is automatically converted into a regular passbook account,
which requires a maintaining balance of 10,000 pesos).

Junior Savers — 100 pesos

Power Teens Club — 2,000 pesos

Prime Savers — 2,000 pesos

Optimum Savings (Personal) — 30,000 pesos

Direct Deposit Peso Savings — None

Peso checking — 5,000 pesos

Smart Checking (Personal) — 15,000 pesos

Checking Account with Automatic Transfer Facility — 25,000 pesos
(Below-maintaining-balance penalty for this account is 500 pesos)

US Dollar Savings — 500 US dollars

Prime Savers Dollar — 200 US dollars

Direct Deposit Dollar Savings — None

For above US dollar accounts, below-maintaining balance penalty is 5 US dollars.


Related Articles:

BPI, BDO, or Metrobank Fees — Why Keep Paying Them?

Ano ang Maintaining Balance? o Minimum Monthly Average Daily Balance?


Add a Comment
  1. Hi Good Day,

    I have concerm regarding may kabayan savings account actually ilang beses ako before nghulog but 2-3 years ago ko n xa hnd nahulugan, and hnd ko pdin xa mapaactivate at the same time may mga pending pding remitance n hnd pa napasok un ung sabi last time n maginquire ako, so ung tanung ko may charge ka ako more likely each transaction 1000 AED, so panu po un, pwd ba magrequest iactivate sa nearest branch namin hussle if need pa sa main branch kz nung naginquire kmi dto sa main branch daw kz un daw ung address s passbook.Pakiadvise po ako salamat.

  2. Hi Rei, na-dormant na yong account mo, meaning na-put on hold kasi more than 2 years siya na walang deposit or withdrawal. The standard way to reactivate your account is to go to your branch in person with your IDs para i-reactivate mo. Meron ka bang 10,000 pesos or more dito sa account mo bago mo hindi pinadalhan? Kasi kung at least 10,000 pesos yong balance, okay lang muna na hindi mo pa mare-activate dahil you’re abroad pa, kasi walang maibabawas. Pero kung less than 10k pesos yong balance mo, naku, maraming 300 pesos na ang naibawas as monthly penalty for below-maintaining-balance. The best is you call BDO at tanungin mo kung ano na ang status ng account mo at kung magkano na ang balance mo. Kung less than 10k, ask kung how much yong total penalties. Makiusap ka kung anong puede mong gawin para mareactivate mo ang account mo while you are abroad, para ma-deposit na yong mga recent na remittances mo. Call BDO: 800-0630-0021. If you can use a landline para toll-free, mas okay. Be ready with your account no. and dates and amounts of your recent remittances.
    If you need to, puede mong mabawi ang mga padala mo by going to the remittance company and request for amendment and refund (merong charges).

  3. Hi nora. I have a question…. What if my balance for 25 days will be 1000 then i deposit 1000 in day 26.. Will i get deduction at the end of the month considering that maintaining balance is 2000…? Thanks

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