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This is to avoid dormancy charges.
Accounts falling below maintaining balance for two consecutive months will be charged pesos on the last business day of the second consecutive month. If on the 3rd month, the account is still below the maintaining balance, another pesos will be deducted.
The charging of 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. Magiging dormant ang savings account kapag walang deposit or withdrawal sa loob ng 2 years.
Magiging dormant ang checking account kapag walang deposit or withdrawal sa loob ng 1 year.
Kapag naging dormant ang iyong account, iho-hold siya ng bank. Hindi ka muna makapag-deposit or makapagwidro o makapag-online transaction up to the time na mare-reactivate mo ang account.
Buti na lang binabaan nang husto ng BSP ang monthly penalty for dormant accounts. Imbes na pesos, 30 pesos na lang. At imbes na mag-start ang penalty after 2 years of dormancy, ngayon ay after 5 years! Dormant accounts below the maintaining balance will be charged 30 pesos for every month after 5 years of dormancy until it is reactivated.
Pag hindi ma-reactivate, tuloy-tuloy ang 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.
Maintaining balance requirements for these BDO accounts: If your Kabayan dollar savings account is converted into a regular US dollar account, your maintaining balance requirement will be US dollars.
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