W/C is MOR BETER?BANK SAVINGS W/NO MAINTAINING BAL.?OR ATM WITH PER ANUM INTERESTS?

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Hehhehehe...Naglibog mangud ko kay if mo open tag bank savings lang na barato kau like 100 initial deposit sa mga savings atm pero dli sad ka mka earn og interests per anum although gamay ra xa na percentage.. pero at least nalang dba.. Compare sa mag open judkag atm na 3,000 ang usually initial balances pero dako2x sad imo mabyran sa deposit sa pag open and ang nka bati is naa juy maintaining balance bah. hehehehe.. asa may mas maayo kaha sa? kamo asa mo mo prefer? just think na mas asa ang nndot na prefrences in saving ur money?

[cheller]

OT: naa sad ko question naa ba nay limit (maximum amount) ang ATM sa bpi savings account?

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OT: naa sad ko question naa ba nay limit (maximum amount) ang ATM sa bpi savings account?

HI cheller, As far as i know if u will open an account for BPI... They only asked u for an initial deposit for 500 pesos only good for 2 months.. Once exceed, they will deduct 200 pesos evey month from ur account. So the fact here is that they require all their clients to deposit 3,000 pesos as a maintaining balace for their ATM. And on the other hand, you will be earning a 0.625% per anum or less than 1%.. Gamay ra bya pero at least nalang dba kaysa wala jud magtubo.. But as ive said, 3,000 lang ang maintaining balance.. and its up to u if how big the amount na imo e deposit.. much better kong big kay i think the more big amount that u deposit on ur BPI ATM, the more interests that u will be earning.. depending on the amount deposited. It will be based only on the amount u deposit. For me dear, i rather go BPI kay inspite na barato ra ilaha maintaining bal.,kay dpod ko makuyawan kay BPI is a very good standing bank and a very stable bank here sa phils... OR it could be in INTERNATIONAL. ako duha raman jud ako bank preferences, its BPI and BDO.

[Koshedl]

MORE NA, BETTER PA JUD? Kidding..

Ummm..lemme see..

Sa mga na-open nako nga accounts so far, wa manko ga-apas nga mu-earn ug interest hahaha..bitaw, seriously, ang ako lang is naa koy mabinlan sako kwarta kay kung naa sa balay or bulsa, either kawaton or magasto. Kasuway nuon ko nga nitubo akong money, P1 kapin..

So it really doesn't matter for me. It surely will kung milyones na nya akong ideposit.

[ain]

MORE NA, BETTER PA JUD? Kidding..

Ummm..lemme see..

Sa mga na-open nako nga accounts so far, wa manko ga-apas nga mu-earn ug interest hahaha..bitaw, seriously, ang ako lang is naa koy mabinlan sako kwarta kay kung naa sa balay or bulsa, either kawaton or magasto. Kasuway nuon ko nga nitubo akong money, P1 kapin..

So it really doesn't matter for me. It surely will kung milyones na nya akong ideposit.

MAobah BRO. unsa manjuy psabot anang when they said na per anum ang computation sa interests? u mean, maabtan pa og osa ka yr. ayha motubo ang money? dili diay na makita every month? wat if, nag maintain lang jud ka sa u balance, dli japun diay na matubo-an kada month? dli diay na makita ang iterests kda month?? confused lang ko.... Hmmmmm...

[Koshedl]

MAobah BRO. unsa manjuy psabot anang when they said na per anum ang computation sa interests? u mean, maabtan pa og osa ka yr. ayha motubo ang money? dili diay na makita every month? wat if, nag maintain lang jud ka sa u balance, dli japun diay na matubo-an kada month? dli diay na makita ang iterests kda month?? confused lang ko.... Hmmmmm...

Wa gyud kaayo ko kasabot ana ilang pamaagi but as far as Im concerned, kanang per annum nila nga interest kay i-divide na monthly, kana kung di jud nimu mahilabtan imong money, way withdraw2x pero tendency man gud is atong withdrawhan, di ba? I dunno what happends if that's the case na.

Opening an account with a bank is just like lending them money, mao na mu-earn ug interest but it will only be clear/visible if you have a PASSBOOK or if you enroll your account online kay mu-reflect man diha tanan nahitabo sa imo account.

Ang kanang sure nga mu-earn imong money is through TIME DEPOSIT. The lowest I've known is
P 25,000.00, nya di nimu withdrawhon for pila ka years nya ang imo ra madawat kay ang interest ra.

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Wa gyud kaayo ko kasabot ana ilang pamaagi but as far as Im concerned, kanang per annum nila nga interest kay i-divide na monthly, kana kung di jud nimu mahilabtan imong money, way withdraw2x pero tendency man gud is atong withdrawhan, di ba? I dunno what happends if that's the case na.

Opening an account with a bank is just like lending them money, mao na mu-earn ug interest but it will only be clear/visible if you have a PASSBOOK or if you enroll your account online kay mu-reflect man diha tanan nahitabo sa imo account.

Ang kanang sure nga mu-earn imong money is through TIME DEPOSIT. The lowest I've known is
P 25,000.00, nya di nimu withdrawhon for pila ka years nya ang imo ra madawat kay ang interest ra.

Oh... I see.. So, Diba when u choose TIME DEPOSIT is only MONEY lang ang imoha drecho e deposit? without an ATM or passbook? AM i right? pasenxa njud bro kay morag LOW KNOWLEDGE au mangud ko sa mga bank matters bah... Pero i want to learn about it MORE and MORE... Im sure u kknow pretty well more than me.... SO, pila kaha ang estimated amount of interests that u will be earning per MONTH? or Per ANNUM japun? if for example ur money is 25,000 pesos? like uve said?

[whiteyblack]

pweedehon ang passbook ahaha

[aguel]

passbook nalang

[dcshoeboy]

sa chinabank..passbook + atm opening nimo is 1000 lang..i dunno if 1000 ghapon ang maintaining balance..hehe

pero nice naman..passbook + atm nya 1000..