PNB Superteller ATM

The PNB SUPERTELLER ATM is a Savings Account which has a PIN-based ATM Card. The card can be used
for various transactions within the Philippines.
Product Features:
Interest-earning account*
Can be used to :
o Check your balance
o Withdraw cash at ATMs
o Make cash deposits (at selected PNB ATMs)
o Transfer funds
o Pay bills online
o Pay bills thru local ATM networks
o Purchase goods and services thru BancNet accredited merchants nationwide
*ADB must be Php 10,000.00 to earn interest
The PNB SUPERTELLER ATM could be used at:
Local ATMs (BancNet, MegaLink, and ExpessNet)
BancNet merchants nationwide
BancNet online transactions
PNBs Internet, Phone and Mobile Banking
Transaction Limits:
Php 10,000.00 maximum withdrawal limit per transaction
Php 50,000.00 maximum withdrawal limit per day
Php 50,000.00 maximum POS usage per day**
**Limits are shared between ATM Withdrawal and POS
Requirements for Account Opening:
2 photo-bearing government issued IDs (e.g., drivers license, SSS/ GSIS ID, voters ID, PRC
license, passport)
2 ID pictures (1x1 or 2x2)
Accomplished Client Information Form, Account Information Form, Signature Card and
Conditions Form
PNB SUPERTELLER ATM is available at all PNB branches nationwide.


Superteller Fees and Charges
Balance Requirement
Initial Deposit Php 5,000.00
Minimum Maintaining Balance Php 5,000.00
Minimum ADB to Earn Interest Php 10,000.00
Interest Rate 0.125% p.a
Dormancy 2 years
Dormancy Fee Php 250.00
Non-usage Charge n.a.
Record of Transactions Upon request
Local Transaction Charges
Withdrawal on PNB Machine None
Inquiry on PNB Machine None
Withdrawal on Other Bank's Machine Php 11.00
Inquiry on Other Bank's Machine Php 2.00
BancNet POS None
Fund Transfer to Other Banks through BancNet (IBFT) Php 25.00
Other Charges
Card Replacement Php 100.00
Closure within 30 days upon opening Php 500.00
Average Daily Balance (ADB) of the account falls below the required
minimum monthly ADB for at least two (2) consecutive months.
Php 200.00
Requests for issuance of certification of deposit account balances. Php 100.00
Interbranch/interoffice deposit/withdrawal transaction, except
transactions made between and among --
Metro Manila Branches
Non-Metro Manila branches or provincial branches located
within the same city, municipality or province.
Php 100.00/Php 200.00

Passbook Savings Account
A regular savings account evidenced by a Passbook. Transactions can be tracked by a Passbook.
How to open a passbook account?
Simply go to any PNB Branch and fill-up an application form to open an account. Please bring any two (2)
valid identification documents.

SSS Pension Account
A regular savings account with zero maintaining balance and service charges for SSS pensioners
Prime Savings Account
Maximize your savings with a high interest-earning savings account. With two (2) withdrawals per
month, you get to enjoy tiered interest rates without incurring service fees.
Checking Accounts
Enjoy maximum convenience and payment flexibility with any of our checking accounts.
PNBig Check
Prestige, earning power and checking-account convenience rolled into one!
PNBigCheck is an interest-bearing checking account. You need not maintain separate savings and
checking accounts to manage efficiently your funds. A single PNBigCheck account gives you the benefits
of both. Your deposit earns interest and allows you to issue checks at the same time.
And because it comes from one of the countrys biggest and most stable banks, you can command the
respect of your business partners and peers just by using it.
The PNBigCheck requires an initial deposit of P20,000.
To open an account:
INDIVIDUAL: You must have existing savings account with average daily balance of P5,000 for six months
and bring two valid IDs.
Initial Deposit: P20,000
Minimum Maintaining Balance (MMB): P20,000
Balance to earn interest: P25,000
Interest Rate: 1.00%
Penalty for falling below MMB: P220/month
Dormancy Period: 1year
Dormancy Fee: P250/month
CORPORATE: SEC registration, Articles of Incorporation, and other corporate documents.
Initial Deposit: P20,000
Minimum Maintaining Balance (MMB): P20,000
Balance to earn interest: P50,000
Interest Rate: 1.00%
Penalty for falling below MMB: P330/month
Dormancy Period: 1year
Dormancy Fee: P250/month
Budget Checking Account
A Checking account that requires a low maintaining balance. Clients are allowed to negotiate 3 checks in
a month free of charge. Non-interest bearing.
Use this checking account for limited check issuances to maximize your moneys potential. Take
advantage of the low maintaining balance so you can free up your funds for other interest-earning or
high yield investments.
PNB PRIORITY ONE CHECKING ACCOUNT
Experience a checking account that truly complements your career and lifestyle. Open a PNB PRIORITY
ONE checking account.
Priority One checking account is designed to fit your specific financial needs. It is guaranteed to give the
best value for your money. And it comes with power-packed convenience of Personalized Checkbook,
ATM card and Phone Banking access.
More importantly, Priority One checking account is tailored to boost your professional prestige, and
offers exciting value-added perks provided on the house.
See us at any of our banking centers and check which package of account privileges can make your life
easier.
Basic Product Features
Interest-bearing checking account with special privileges and perks:
P25,000.00 initial deposit/minimum balance
P100,000.00 maximum daily withdrawal thru the ATM
1.25% interest rate per annum
Enjoy unlimited privileges!
Free domestic and overseas trips via PAL and Air Philippines.
Dinner Gift Certificate at five-star hotels and restaurants.
Personal Accident Insurance coverage renewable yearly.
Travel perks with PAL / Air Philippines
For every P1,000.00 year-to-date average daily balance, you earn accumulative point convertible to air
miles. Your growing travel points will eventually entitle you to free one-way or round-trip tickets via PAL
or Air Philippines. You cannot convert your ticket to cash but you may transfer travel points to another
person.
Sample travel points that a customer may earn based on your earn based on year-to-date / average
daily balance (YTD/ADB) are as follows:

Qtr YTD Travel Points Earned
Qtr ADB ADB Qtrly Total
1 P 25,000 P 6,250 6 6
2 100,000 25,000 25 31
3 400,000 100,000 100 131
4 500,000 125,000 125 256
Travel points earned will be reflected on the customer's Statement of Account every quarter.
Free Dinner Certificate
On top of the PAL/Air Philippines travel points, the depositor also earns dinner gift certificate, based on
the ADB schedule, as follows:
YTD/ADB range Gift Certificate Travel
P300T to P500T P 750.00 One-way
P500T & up P 1,500.00 Round-trip
Free Personal Accident Insurance
P50,000 personal accident insurance upon opening a Priority One Checking Account.
The insurance coverage will be adjusted corresponding to double the year-to-date ADB for the past six
months.
The insurance coverage will be renewable yearly based on the year-to-date ADB for the last 12 months.
PNB Direct Deposit Program
Good news to all USVA/USSSA pensioners/beneficiaries!
The fastest link from the U.S. Treasury to you is now available through the PNB Direct Deposit account.
Under the PNB Direct Deposit Program, pension payments of U.S. agencies to pensioners/beneficiaries
based in the Philippines will be credited directly to their accounts with PNB.
Now, you dont have to go through a tiresome and complicated process of claiming your monthly checks
at the post office and bringing it to a bank for verification and approval. All you need is a PNB Direct
Deposit account to enjoy safe, reliable, convenient and economical way of receiving your monthly
benefits.
Open an account now! For particulars, get in touch with any of our branches near you.
Initial Deposit: US$200
Minimum Maintaining Balance (MMB): US$200
Balance to earn interest: US$1,000
Interest Rate: 0.75%
Penalty for falling below MMB: US$10/month
Dormancy Period: 2 years
Dormancy Fee: US$10/month
Available at all PNB domestic branches.
To open an account:
You must be a US pensioner and receiving a pension/benefit on a monthly basis and bring your latest
USTW check or any letter from your agency and two valid IDs.
PNB Debit MasterCard
PNB Debit MasterCard is a PIN-based ATM Card which provides 24/7 banking convenience using various
channels. The card can be used across the globe wherever Mastercard and Maestro is accepted. It can
be used for cashless purchases at over 32 million shops worldwide. It can also be used at over 2 million
ATMs across the globe.
The PNB Debit MasterCard is available at all PNB branches nationwide.
Product Features:
Interest-earning account*
International ATM Card
Online copy of statement
Accepted at any Bancnet, Megalink, or Expressnet ATM in the Philippines
Accepted internationally at Mastercard and Maestro affiliated shops and ATMs
Can be used to :
o Check your balance
o Withdraw cash at ATMs
o Make cash deposits (at selected PNB ATMs)
o Transfer funds
o Pay bills online
o Pay bills thru local ATM networks
o Purchase goods and services thru BancNet accredited merchants nationwide
*ADB must be Php 10,000.00 to earn interest
PNB Debit MasterCard could be used at:
1. Local Transactions:
o Local ATMs (BancNet, MegaLink, and ExpessNet)
o BancNet merchants nationwide
o BancNet online transactions
o PNBs Internet, Phone and Mobile Banking
o Local MasterCard and Maestro Merchants
2. International transactions:
o International ATM Networks ( MasterCard and Maestro )
o International MasterCard and Maestro Merchants
Transaction Limits:
Php 10,000.00 maximum withdrawal limit per transaction
Php 50,000.00 maximum withdrawal limit per day
Php 50,000.00 maximum POS usage per day**
**Limits are shared between ATM Withdrawal and POS
Requirements for Account Opening:
2 photo-bearing government issued IDs (e.g., drivers license, SSS/ GSIS ID, voters ID, PRC
license, passport)
2 ID pictures (1x1 or 2x2)
Accomplished Client Information Form, Account Information Form, Signature Card and
Conditions Form
The PNB Debit MasterCard is available at all PNB branches nationwide.
Debit MasterCard Fees and Charges
Balance Requirement
Initial Deposit Php 5,000.00
Minimum Maintaining Balance Php 5,000.00
Minimum ADB to Earn Interest Php 10,000.00
Interest Rate 0.125% p.a.
Dormancy Fee Php 250.00
Non-usage Charge n.a.
Debit MasterCard Expiry Date 5 years
Record of Transactions Electronic SOA
Local Transaction Charges
Withdrawal on PNB Machine None
Inquiry on PNB Machine None
Withdrawal on Other Banks Machine Php 11.00
Inquiry on Other Banks Machine Php 2.00
BancNet POS None
ATM Fund Transfer to Other BancNet Member Banks Php 25.00
International Transaction Charges
Withdrawal Php 150.00
Inquiry Php 75.00
MasterCard POS None
Other Charges
Card Replacement Php 100.00
Closure within 30 days upon opening Php 500.00
Average Daily Balance (ADB) of the account falls below the required minimum monthly
ADB for at least two (2) consecutive months.
Php 200.00
Requests for issuance of certification of deposit account balances. P100.00
Interbranch/interoffice deposit/withdrawal transaction, except transactions made
between and among
Metro Manila branches;
Non-Metro Manila branches or provincial branches located within the same
city, municipality or province.
P100.00/P200.00

PNB Tap MasterCard
PNB TAP MasterCard is an innovative, secure and convenient method of purchasing items by simply
tapping the ATM card at any PayPass enabled machine. Now, you can speed past cashier lines without
the hassle of counting coins and bills, entering PINs or signing sales slips.
You can still use your card to withdraw cash, check your balance and purchase goods and services
wherever Mastercard and Maestro are accepted all over the globe, or with all your local transactions
nationwide, 24/7.
The PNB TAP MasterCard is available at all PNB branches nationwide.
Product Features:
Interest-earning account*
PIN-based ATM Card
Online copy of Statement
International ATM Card
No initial deposit
No maintaining balance
Can be used to :
o Purchase goods and services by tapping or swiping your card**
o (Even if tapped more than once, client will only get billed once for the purchase)
o Check your balance
o Withdraw cash at ATMs
o Make cash deposits (at selected PNB ATMs)
o Transfer funds
o Pay bills online
o Pay bills thru local ATM networks
o Purchase goods and services thru BancNet accredited merchants nationwide
*ADB must be Php 10,000.00 to earn interest
** TAP-only feature applicable only for transactions below Php500.00
PNB Tap MasterCard could be used at:
1. Local Transactions:
o Local ATMs (BancNet, MegaLink, and ExpessNet)
o BancNet merchants nationwide
o BancNet online transactions
o PNBs Internet, Phone and Mobile Banking
o Local MasterCard and Maestro Merchants
o Local PayPass Merchants
2. International transactions:
o International ATM Networks ( MasterCard and Maestro )
o International MasterCard and Maestro Merchants
o International PayPass Merchants ( MasterCard )
3. Stores/Boutiques which have a PayPass (PNB Tap MasterCard) enabled machines***
o Starbucks
o BOs Coffee
o CAF France
o Caf Ti Amo
o Big Daddys Burger
o Red Ribbon
o Goldilocks
o Greenwich
o Tapa King
o Fully Booked
o National Bookstore
o Caltex
o Petron
o Shell
o Robinsons Movie World
o Astroplus
o Odyssey
o Nissan Car Lease
***Selected branches/outlets
Transaction Limits:
Php 10,000.00 maximum withdrawal limit per transaction
Php 50,000.00 maximum withdrawal limit per day
Php 50,000.00 maximum POS usage per day****
****Limits are shared between ATM Withdrawal and POS
Requirements for Account Opening:
2 photo-bearing government issued IDs (e.g., drivers license, SSS/ GSIS ID, voters ID, PRC
license, passport)
2 ID pictures (1x1 or 2x2)
Accomplished Client Information Form, Account Information Form, Signature Card and
Conditions Form
TAP MasterCard Fees and Charges
Balance Requirement
Initial Deposit None
Minimum Maintaining Balance None
Minimum ADB to Earn Interest Php 10,000.00
Interest Rate 0.125%
TAP Account Fee
Php 180.00 per year or Php 15.00 per
month
Non-usage Charge
Php 250.00 per month on the end of
the 24th month of inactivity
TAP MasterCard Expiry Date 5 years
Record of Transactions Electronic SOA
Local Transaction Charges
Withdrawal on PNB Machine None
Inquiry on PNB Machine None
Withdrawal on Other Banks Machine Php 11.00
Inquiry on Other Banks Machine Php 2.00
International Transaction Charges
Withdrawal Php 150.00
Inquiry Php 75.00
Other Charges
OTC (over-the-counter) withdrawal Php 300.00
Card Replacement Php 250.00
Closure within 30 days upon opening Php 500.00
Requests for issuance of certification of deposit account
balances.
P100.00
Interbranch/interoffice deposit/withdrawal transaction, except
transactions made between and among
Metro Manila branches;
Non-Metro Manila branches or provincial branches
located within the same city, municipality or province.
P100.00/P200.00


REGULAR CHECKING ACCOUNT

A non-earning demand deposit account
INDIVIDUAL
Initial Deposit: P10,000
Minimum Maintaining Balance (MMB): P10,000
Penalty for falling below MMB: P220/month
Dormancy Period: 1year
Dormancy Fee: P250/month


CORPORATE
Initial Deposit: P10,000
Minimum Maintaining Balance (MMB): P10,000
Penalty for falling below MMB: P330/month
Dormancy Period: 1year
Dormancy Fee: P220/month
Monthly statement of account is given to clients
To open an account:
Bring two valid IDs.

History
he Early Years
The Philippine National Bank was established as a government-owned banking
institution on July 22, 1916 with headquarters in the old Masonic Temple along
Escolta, Manila. Its primary mandate was to provide financial services to
Philippine industry and agriculture and support the government's economic
development effort. World War I, then raging in Europe, generated huge
demand for the country's major exports namely: sugar, copra, coconut oil,
Manila hemp and tobacco. However, not much was being done to develop the
industries that produced these sought-after crops since access to credit
facilities was limited then. To solve this problem, Henderson Martin, Vice
Governor of the Philippines, together with Mr. Miguel Cuaderno (who later
became Central Bank governor) drafted the charter for a national bank.
In February 4, 1916, Public Act 2612 was passed by the Philippine legislature providing for the
establishment of the PNB to replace the small P1 million government-owned Agricultural Bank. PNB's
first head office was the Masonic Temple along Escolta, the then "Wall Street of the Philippines" in the
bustling district of Sta. Cruz in Manila. An American, H. Parker Willis, was its first president.
"The First Universal Bank in the country"
With PNB's establishment, Filipinos found a bank of their own. PNB was authorized to grant short and
long-term loans to agriculture and industry. The Filipino farmers then could avail of loans with interest
between 8% to 10% per annum. PNB was also authorized to receive deposits, open foreign credits and
rediscount bills. It was also given the special power to issue circulating notes. As such, PNB functioned as
the de facto Central Bank of the country until 1949.

On July 24, 1916, PNB established its first branch in Iloilo.

In 1917, PNB marked its entry in the field of international banking when it
opened its New York Branch. The following year, it established five more
domestic branches and another overseas branch in Shanghai, China.

PNB briefly ceased operations in January 1942 but reopened the next
month under the supervision of Japanese authorities. After the Second
World War, PNB reopened immediately and acquired the assets and
assumed the liabilities of the banking division of the National Treasury.

With the establishment of the Central Bank in 1949, PNB's role as issuer of
currency notes, custodianship of bank reserves, sole depository of government funds and clearing house
of the banking system ceased.
"PNB launched the first on-line Electronic
Data Processing System in the entire Far East"

In 1955, it was authorized to operate as an investment bank with powers to own shares and to issue
debentures.
In 1963, it established the National Investment and Development Corporation to engage primarily in
long-term and equity financing of business ventures.

PNB transferred to its new Head Office along Escolta in 1966 and launched the first on-line Electronic
Data Processing System in the entire Far East.

Between 1967 and 1979, PNB continued to expand its operations by opening offices in London,
Singapore, Djakarta, Honolulu and Amsterdam. In the domestic field, it opened 14 provincial branches. It
was also during this period that the Bank started the Dollar Remittance Program.

In 1980, PNB became the first universal bank in the country. However, it encountered operational
difficulties in the mid-80s as a result of the economic downturn triggered by the assassination of Senator
Benigno S. Aquino, Jr and had to be assisted by the government in 1986.

Privatization of PNB
The privatization of the Bank started when 30 per cent of its outstanding stocks was offered to the
public and its stocks were listed in the stock exchange in 1989.

In 1992, PNB became the first Philippine bank to reach the P100 billion mark in assets.

Also in 1992, a second public offering of its shares was issued to
continue its privatization.
In 1995, the Bank moved to its new headquarters at the PNB
Financial Center in Roxas Boulevard, Pasay City.

In 1996, the Securities and Exchange Commission approved the
Bank's new Articles of Incorporation and by-laws and the change
in the status of PNB from a government-based to a private
corporation with the control of the government reduced to 46
per cent. At the turnover rites on July 23, 1996, President Fidel
V. Ramos declared:
PNB is the bank for the Filipino wherever he or she may be-- in the country's centers of commerce and
industry, in the far reaches of the countryside, and even in
many places across the globe."
A New Beginning
In 1999, a group of new private stockholders led by Dr. Lucio C. Tan acquired approximately 35% of the
total outstanding capital stock of PNB. In early 2000, the group increased its share in the Bank to
69.32% and pumped in nearly P20 billion fresh capital in less than one year. This was done to emphasize
the commitment of the new stockholders to the improvement of the Bank's financial condition, which
had been incurring losses in operations due to poor asset quality.

In late 2000, the Bank suffered a liquidity crisis and the National Government stepped in to support the
Bank by implementing a capital restructuring and injecting P25 billion in liquidity assistance.

In May 2002, the Government and the Lucio Tan Group, representing the group of private stockholders,
sealed the Memorandum of Agreement (MOA) that embodied the provisions that would help turn the
Bank around. It included, among others, the settlement of Government's liquidity assistance by way of
increasing the Government's stake in the Bank from 16.58% to 44.98%, in effect reducing the groups
share from 68% to 44.98%. At the same time, the Bank started operating under a 5-year rehabilitation
program.

In August 2005, the Government, as part of its privatization program, sold down its 32.45% stake in the
Bank via an auction. The private stockholders represented by the Lucio Tan Group exercised their right
of first refusal, reducing the Governments share to 12.5% and raising the groups to a total of 77.43%.

In June 2007, PNB settled its P6.1 billion loan to Philippine Deposit Insurance Corporation (PDIC), more
than four years ahead of the loans due date. The loan repayment was a clear indication of the Banks
renewed financial health.

In August 2007, the Bank completed its Tier 1 follow-on equity offering where it raised about P5.0 billion
in Tier 1 capital. Together with the sale of 89 million primary shares, 71.8 million secondary shares
owned by the National Government through PDIC and DOF were sold to the public, thus bringing about
a complete exit of the Government from PNB.

Since the inception of the rehabilitation program, PNB exceeded the targets of the program. While the
program called for profits starting 2005, the Bank became profitable as early as 2003. Within four years,
PNB increased its net income sixteen times from P52 million in 2003 to P820 million in 2006.

With its successful exit from the Governments Rehab program and the strong income performance,
PNB has demonstrated its ability to sustain its heightened competitiveness based on the three tenets of
reducing non-performing assets, strengthening core businesses and increasing profitability.

The Bank remains as one of the largest banks in the country with a wide array of competitive banking
products to answer for the diverse needs of its huge clientele including more than 2 million depositors.

PNB maintains its leadership in the overseas remittance business with remittance centers in the United
States, Canada, London, France, Italy, Hong Kong, Japan, Singapore and the Middle East countries.

Through its subsidiaries, the Bank also engages in a number of diversified financial and related
businesses such as remittance servicing, investment banking, non-life insurance, stock brokerage,
leasing and financing and foreign exchange trading. The Bank, through its affiliate, is also engaged in
other services such as life insurance.