Typical Filipino Depositor’s Bank Balance...

[_Cathy_]

Paano kung sa iba iba branch ang account?

Considered one lang yan.

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[kagalingan]

^
kahit iba iba account number?

[_Cathy_]

^
kahit iba iba account number?

Yes. Lahat ng deposit, loan at credit card mo sa isang bank under 1 customer account.

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[pobre24]

Yes. Lahat ng deposit, loan at credit card mo sa isang bank under 1 customer account.

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I worked for a bank and this is how it works. PDIC insures per depositor/s. Depositor/s is based on the account name. Here are examples:

Assumptions:
D1 = you
All in one bank
PDIC insured products only

Scenario 1:

D1, 1st account, BDO = 300k
D1, 2nd account, BDO = 300k
PDIC covered = 500k
Uninsured= 100k

Scenario 2:

D1, BDO = 500k
D1 and/or D2, BDO = 500k
D1 and/or D3, BDO = 500k
PDIC Covered for D1= 500k (solo account), 250k (joint with D2*), 250k (joint with D3**) = 1M
* Other half will be received by D2
** other half will be received by D3

Hope this helps.

[ray_noel]

I worked for a bank and this is how it works. PDIC insures per depositor/s. Depositor/s is based on the account name. Here are examples:

Assumptions:
D1 = you
All in one bank
PDIC insured products only

Scenario 1:

D1, 1st account, BDO = 300k
D1, 2nd account, BDO = 300k
PDIC covered = 500k
Uninsured= 100k

Scenario 2:

D1, BDO = 500k
D1 and/or D2, BDO = 500k
D1 and/or D3, BDO = 500k
PDIC Covered for D1= 500k (solo account), 250k (joint with D2*), 250k (joint with D3**) = 1M
* Other half will be received by D2
** other half will be received by D3

Hope this helps.

So you’re from BDO, huh?! Joke hehe.

Kung sigurista talaga yung depositor, so if you plan to have a joint account better sa ibang bank kung saan wala kang account? Para makuha mo buo ang 500k na insurance just in case mag nonose dive ang psei at mag papanic ang mga depositor...[emoji16]

In your case, if gusto buo matatanggap

D1 and D2 BPI = 500k (joint)
D1 and D3 Metrobank = 500k (joint)

Tama po bah?







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[pobre24]

So you’re from BDO, huh?! Joke hehe.

Kung sigurista talaga yung depositor, so if you plan to have a joint account better sa ibang bank kung saan wala kang account? Para makuha mo buo ang 500k na insurance just in case mag nonose dive ang psei at mag papanic ang mga depositor...[emoji16]

In your case, if gusto buo matatanggap

D1 and D2 BPI = 500k (joint)
D1 and D3 Metrobank = 500k (joint)

Tama po bah?




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Correct.. kasi maximum of 500k din for joint accounts.