PERSONAL SAVINGS ACCOUNT

Mumsh sa December pa po due date ko, binigay na ng employer ko yung advance cash for my SSS maternity benefit worth 70k, as of now nasa payroll account ko yung pera. Ayoko sana i-withdraw dahil ayoko matempt na bawasan, nilalaan ko sana panganganak ko. May nag advice lang sakin na hindi maganda nag iiwan ng malaking amount sa payroll account mag open na lang daw ko ng personal savings. Saan po kaya maganda mag open ng personal savings account? and ano po ba requirements at how much maintaning balance? And bakit po ba hindi okay mag iwan ng pera sa payroll account?

9 Replies
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Magsulat ng reply

Hi! The only reason I know kung bakit madalang ang nag iiwan ng malaking money sa payroll account because hindi ito kumikita/nagkakainterest. Pero for me ok lang. Kasi you will use it naman when you give birth. As far as I remember sa bpi, 3k ang maintening bal. Saka mababa lang ang interest for that amount of money. Then less tax pa.

Magbasa pa

try unionbank mamsh, nagopen ako nung nakaraan ng personal savings account sa kanila thru app. less hassle pa sa pagpila tsaka ipapadala mismo sa bahay niyo yung atm card. may fee nga lang na 350 every year dahil free na yung pagopen tsaka walang maintaining balance. 🙂

4y ago

May anomalya ngayon ub.As in, nag join kasi ako sa ub group tas may mangilan ngilan talagang nabibiktima nun. Yung natatransfee bigla yung pera nila, kahit on otp mo. Mabuti nlang at nakuha nmin ng asawa ko calamity loan nya bago nangyari yun

Sa bdo po kasi mommy may atm and passbook na pero 10k kasi dapat remaining balance mo. pag atm lang 2k naman. Need lang ng 2 valid ids. Ung ibang banko kasi either atm account lang or passbook.wala silang passbook and atm na magkasama at iisang account..

4y ago

Magpepenalty po kasi kayo everymonth kapag less sa maintaining balance and pwedeng maubos ung naiwan at magclose account nyo

try nyo po cebuana, 100 lang pa member with card na walang deduction pag mag wiwithdraw di pa need pumila ng mahaba sa atm

4y ago

50k lang ata max nil pero pwede raw mag open ng ibang acct oara ilagay 20k

VIP Member

Yes po Momsh mas secure kapag personl account....BDO secure and accesible. Mas easy po ma-hack mga payroll acct.

bdo mommy 2k maintenance pwede atm lang pag gusto nyo with pass book 10k po

Try nyo po cbs passbook lang 500 maintaning balance, id lang po need 2 valid id

4y ago

pwede din sakanila may card?

VIP Member

Try Unionbank Momsh Pls check their website for the requirements

Based on my experience, BDO at security bank and the best