Peso Checking

Settling your financial obligations can be simple and effortless with BDO.

An affordable way to secure your payments via cheque and enjoy the convenience of a BDO EMV Debit Card for personal accounts.


FEATURES Personal Business
Minimum Initial Deposit Php 5,000.00 Php 5,000.00
Minimum MADB Requirement (1) Php 5,000.00 Php 5,000.00
Minimum Balance to Earn Interest na na
Gross Interest Rate Per Annum na na

1) MADB – Monthly Average Daily Balance


FEES & CHARGES Personal Business
Account Closure(2) Php 300.00 Php 300.00
Falling Below Minimum Balance(3) Php 300.00 Php 300.00
Account Dormancy(4) Php 30.00 (4) Php 30.00 (4)
Withholding Tax for Interest Earned na na
Checkbook Php 250.00(5) Php 500.00(5)
SPO Application/Filing Php 200.00 Php 200.00

(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 checking account is dormant if it has no client-initiated activity for one (1) year.
  • Collection will start five (5) years after the last client-initiated activity date.
  • The revised collection and dormancy fee is effective April 25, 2017.

(5)The revised Checkbook Fee is effective January 1, 2018.

How to Open an Account

Opening a deposit account with BDO is easy and stress free.

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BDO EMV Debit Card

The BDO EMV Debit Card is the perfect banking companion wherever you go.

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How to Enroll in Online Banking

Enroll in Online Banking in 3 easy steps.

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Deposits are insured by PDIC up to P500,000 per depositor.