BDO

ATM

Minimum Initial Deposit Php 2,000.00

Minimum MADB Requirement (1) Php 2,000.00

Minimum Balance to Earn Interest Php 5,000.00

Gross Interest Rate Per Annum 0.25%

(1) MADB - Monthly Average Daily Balance

FEES & CHARGES

Account Closure (2) Php 300.00

Falling Below Minimum Balance (3) Php 300.00

Account Dormancy (4) Php 30.00 (4)

Withholding Tax for Interest Earned 20%

(2) Account Closure Fee will be collected if account is closed within 30 days from account opening.
(3) Falling
Below Minimum Balance Fee will be collected if account falls below the required minimum MADB for two
consecutive months.
(4) Account Dormancy Fee will be collected if account is dormant and falls below the minimum MADB.

 A savings account is dormant if it has no client-initiated activity for two (2) years.
 Collection will start five (5) years after the last client-initiated activity date.
 The revised collection and dormancy fee is effective April 25, 2017.

PERSONAL LOAN

Flexible loan amounts

 Minimum of P10,000

For BDO Kabayan Personal Loan Secured

 For Peso account, maximum of 90% of the deposit account balance

 For Dollar account , maximum of 80% of the deposit account balance; the prevailing buying rate shall
be used to determine peso equivalent.

Fixed monthly payments – pay the same amount every month with any of the following flexible payment terms:

 3 months (for Unsecured)

 6 months
 12 months
 18 months
  24 months
 36 months

Loan proceeds will be credited to BDO account

Top Up Loan Feature

 Secure and additional Personal loan equal to or greater than the original Personal Loan (subject to
submission of new income documents)
 For BDO Kabayan Personal Loan (Secured and Unsecured)
o Existing Personal Loan with good standing may qualify for re-availment or top-up plan

Convenient Application

 Submit your application at any of our BDO branches nationwide

 For our Kabayans working abroad, you may use the BDO Kabayan Application forms by clicking the
following links:
o BDO Kabayan – Secured
1. Application Form
2. Deed of Assignment Form
3. Special Power of Attorney
4. Auto-Debit Arrangement Form
5. Beneficiary Information Form
o BDO Kabayan – Unsecured
1. Application Form
2. Authorization Form
3. Auto-Debit Arrangement Form
4. Beneficiary Information Form

METROBANK
ATM
Fees
Metrobank PS Bank Other Local International
ATM ATM ATM ATM
Balance Inquiry FREE PHP 2.00 PHP 2.00 USD 1.00
Cash Withdrawal FREE PHP 7.50 PHP 11.00 USD 3.50
Bills Payment FREE FREE FREE FREE
Funds Transfer
PESO TRANSFER
Transfer within branches in the FREE NA NA NA
same region

Transfer to branches in another FREE

region For first four (4) transactions per NA NA NA
month*

Transfer to other banks PHP 25.00 PHP 25.00 PHP NA

(via Bancnet IBFT) 25.00 (Bancnet
member banks
only)

Statement Request PHP 25.00 NA NA NA

Purchase Load FREE NA NA NA
Checkbook Request** FREE NA NA NA

RCBC
PERSONAL LOAN

Minimum loan amount: Php50,000

Maximum loan amount: Php1,000,000 (subject to borrower's paying capacity)

Minimum term: 6 months

Maximum term: 36 months

SAVINGS

CHINABANK
ATM
Initial Deposit Requirement

 P 2,000

Minimum Monthly Average Daily Balance (ADB) Requirement

 P 2,000

Minimum Balance to Earn Interest

 P 10,000

Interest Rate

 0.125% per annum, subject to 20% withholding tax

Documentation

 TellerCard

Access Points

 ATM
 BancNet POS
 China Bank Online
 TellerPhone
 Branch

Others

 PDIC Coverage: Maximum deposit insurance for each depositor: P500,000.