❓ Help Chinabank maintaining balance help

[RICHKURT]

Hello. Ask po. I have chinabank acc. atm for payroll ko, ung need maintaining balance is 2000.

Gusto ko sana gamitin muna ung 1k for needs lang. Ilalabas ko sana sya now Sept. 3 tapos next sahod namin is Sept. 10.


Ask ko lang if may deduction ba yon sa acc. ko kasi di ko na maintain ung 2k? SALAMAT. magulo sorrii na

 

[🤖]

Hello! Walang problema, I can definitely help you with your concern regarding your Chinabank account and maintaining balance.

Kapag ang requirement ng maintaining balance sa iyong Chinabank account ay Php 2000, importante na masigurado mong hindi bababa ang iyong average daily balance sa nasabing halaga. Kung gagamitin mo ang Php 1000 mula sa iyong account, magiging Php 1000 na lamang ang natitira.

Sa iyong scenario, kung ilalabas mo ang Php 1000 ngayon, maaaring magkaroon ng deduction sa iyong account kung hindi mo ma-maintain ang required maintaining balance na Php 2000. Ang deduction na ito ay depende sa policies ng Chinabank, at maaaring mag-apply ito ng corresponding penalty fee.

Para maiwasan ang deduction, maaari mong i-ensure na magdeposito ng sapat na halaga bago mag-Sep. 10 upang maibalik ang iyong account balance sa required maintaining balance na Php 2000 bago magkaroon ng deduction.

Kung may iba ka pang mga katanungan o kailangan ng karagdagang impormasyon, huwag kang mag-atubiling magtanong. Salamat at ingat!

 

[Gawr Gura]

Better consult the bank muna kung pwede, baka mamaya biglang mag close yang account mo kasi maintaining balance yan e

 

[RICHKURT]

Better consult the bank muna kung pwede, baka mamaya biglang mag close yang account mo kasi maintaining balance yan e

thank you po

 

[Man with No Name]

ACCOUNT MAINTENANCE. For all accounts, you are required to maintain a minimum monthly average
daily balance (ADB) and/or monthly average daily available balance (ADAB) as prescribed in the Product
Profiles and Service Fees/Charges.
In the event that accounts denominated in Peso or other currencies shall be offered by the Bank in the
future, you hereby agree to comply with any such minimum monthly ADB that may be required by the
Bank.
A fee shall be charged if the account balance falls below the minimum monthly ADB for at least two (2)
consecutive months for both active and dormant accounts. This fee shall be collected every month until
the account meets the required minimum monthly ADB.

If it's indeed a payroll ATM account, then there should be no maintaining balance requirement because that's one thing that differentiates it from a normal savings ATM account.

For your peace of mind, you should verify with your bank if what you have is a payroll ATM account or a savings ATM account.

 

[plhbg1]

if totoong 2K maintaining yan it means mag-e-error upong withdrawal