PESO DEPOSITS DOLLAR DEPOSITS
+ Passbook Savings Account
+ Super Teller ATM Account
+ PNB Prime Savings Account
+ PNB Combo Savings
+ PNBig Savings
+ PNB Combo Checking
+ Regular Checking Account
+ Priority One Checking Account
+ PNBig Check
+ PNB Direct Depository Program
+ Demand Drafts
+ Rapid Access Plus
+ PNB Collection System
+ Cashier's/Manager's Check
+ Gift Cheque
+ Mabuhay Traveler's Cheque
+ Dollar Savings Account
+ PNB Green Check
+ PNB Green Market
+ PNB Dollar Mint
Check our Deposit Rates

As your national bank, PNB serves a wide range of customers both individual and corporate. We, therefore, make sure that we offer products/services that are most responsive to your needs.

PESO DEPOSIT ACCOUNT

Regular Savings Account

Passbook Savings Account
For an initial deposit of only P10,000* you can now open a savings account.

           » Initial Deposit: Php 10,000*
           » Minimum Maintaining Balance (MMB): Php 10,000*
           » Balance to earn interest: Php 15,000*
           » Interest Rate: 0.50%
           » Penalty for falling below MMB: P200/month
           » Dormancy Period: 2 years
           » Dormancy Fee: P250/month


To open an account:

Individual: Bring two valid IDs
Corporate: SEC registration, Articles of Incorporation, and other corporate documents.

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SuperTeller ATM Account
Your access to non-stop banking convenience!


With an initial deposit of Php 5,000*, you gain instant access to 24-hour banking convenience.

              » Initial Deposit: Php 5,000*
              » Minimum Maintaining Balance (MMB): Php 5,000*
              » Balance to earn interest: Php 10,000*
              » Interest Rate: 0.50%
              » Penalty for falling below MMB: P200/month
              » Dormancy Period: 2 years
              » Dormancy Fee: P250/month

With the PNB SuperTeller account, you can do any of the following:

              »  Withdraw cash or make deposits anywhere, anytime, seven days a week
              » Transfer funds to another linked account
              » Shop without cash in numerous stores with the
PayLink facility


The vast ATM network of PNB and member-banks of Megalink, Bancnet and Expressnet is at your disposal. Of course, you can also transact over the counter at the maintaining branch.


More importantly, SuperTeller frees you from the hazards of carrying cash and the hassle of paying

your monthly bills to the different payment offices. Simply enroll your accounts with PNB-VISA, PLDT, cellular phones, insurance, and other pre-need plans. You can then pay your bills through the ATM, or right at the safety and comfort of your home through PNB PhoneLink.

Minimum Maintaining Balance (MMB) = P5,000

To open an account:

Bring two valid IDs.

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

EXEMPTED ACCOUNTS

OFW's & BENEFICIARIES

  • Initial Deposit: P100
  • Minimum Maintaining Balance (MMB): P100
  • Balance to earn interest: P5,000
  • Interest Rate: 0.50%
  • Penalty for falling below MMB: P55/month
  • Dormancy Period: 2 years
  • Dormancy Fee: P110/month

OTHER Exempted Accounts

PNB Direct Deposit
SSS Pensioners
Payroll Accounts
Philippine War Veterans and Beneficiaries

  • Initial Deposit: P100
  • Minimum Maintaining Balance (MMB): P100
  • Balance to earn interest: P5,000
  • Interest Rate: 0.50%
  • Penalty for falling below MMB: P55/month
  • Dormancy Period: 2 years
  • Dormancy Fee: P110/month

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PNB Prime Savings Account

For as low as P50,000, you can open a PNB Prime Savings Account that allows you to enjoy higher interest rates on a tiered basis and gives you flexibility on your funds. You can deposit anytime and you are allowed to withdraw a maximum of two (2) withdrawals per month for your necessities without incurring service fees.

Initial / Minimum maintaining Balance:
P50,000

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

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PESO CHECKING ACCOUNT

Regular Checking Account
A non-earning demand deposit account

INDIVIDUAL

  • Initial Deposit: P10,000
  • Minimum Maintaining Balance (MMB): P10,000
  • Penalty for falling below MMB: P220/month
  • Dormancy Period: 1year
  • Dormancy Fee: P250/month


    CORPORATE
  • Initial Deposit: P10,000
  • Minimum Maintaining Balance (MMB): P10,000
  • Penalty for falling below MMB: P330/month
  • Dormancy Period: 1year
  • Dormancy Fee: P220/month
  • Monthly statement of account is given to clients

To open an account:
Bring two valid IDs.

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PNB PRIORITY ONE CHECKING ACCOUNT

Experience a checking account that truly complements your career and lifestyle. Open a PNB PRIORITY ONE checking account.

Priority One checking account is designed to fit your specific financial needs. It is guaranteed to give the best value for your money. And it comes with power-packed convenience of Personalized Checkbook, ATM card and Phone Banking access.

More importantly, Priority One checking account is tailored to boost your professional prestige, and offers exciting value-added perks provided on the house.

See us at any of our banking centers and check which package of account privileges can make your life easier.

Basic Product Features
Interest-bearing checking account with special privileges and perks:

  • P25,000.00 initial deposit/minimum balance
  • P100,000.00 maximum daily withdrawal thru the ATM
  • 1.25% interest rate per annum

Enjoy unlimited privileges!

  • Free domestic and overseas trips via PAL and Air Philippines.
  • Dinner Gift Certificate at five-star hotels and restaurants.
  • Personal Accident Insurance coverage renewable yearly.

Travel perks with PAL / Air Philippines
For every P1,000.00 year-to-date average daily balance, you earn accumulative point convertible to air miles. Your growing travel points will eventually entitle you to free one-way or round-trip tickets via PAL or Air Philippines. You cannot convert your ticket to cash but you may transfer travel points to another person.

Sample travel points that a customer may earn based on your earn based on year-to-date / average daily balance (YTD/ADB) are as follows:

Qtr
YTD
Travel Points Earned
Qtr
ADB
ADB
Qtrly
Total
1
P 25,000
P 6,250
6
6
2
100,000
25,000
25
31
3
400,000
100,000
100
131
4
500,000
125,000
125
256

Travel points earned will be reflected on the customer's Statement of Account every quarter.

Free Dinner Certificate
On top of the PAL/Air Philippines travel points, the depositor also earns dinner gift certificate, based on the ADB schedule, as follows:

YTD/ADB range
Gift Certificate
Travel
P300T to P500T
P    750.00
One-way
P500T & up
P 1,500.00
Round-trip

Free Personal Accident Insurance
P50,000 personal accident insurance upon opening a Priority One Checking Account.

The insurance coverage will be adjusted corresponding to double the year-to-date ADB for the past six months.

The insurance coverage will be renewable yearly based on the year-to-date ADB for the last 12 months.


For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

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PNBig Check

Prestige, earning power and checking-account convenience rolled into one!

PNBigCheck is an interest-bearing checking account. You need not maintain separate savings and checking accounts to manage efficiently your funds. A single PNBigCheck account gives you the benefits of both. Your deposit earns interest and allows you to issue checks at the same time.

And because it comes from one of the country’s biggest and most stable banks, you can command the respect of your business partners and peers just by using it.

The PNBigCheck requires an initial deposit of P20,000.

To open an account:

INDIVIDUAL: You must have existing savings account with average daily balance of P5,000 for six months and bring two valid IDs.

  • Initial Deposit: P20,000
  • Minimum Maintaining Balance (MMB): P20,000
  • Balance to earn interest: P25,000
  • Interest Rate: 1.00%
  • Penalty for falling below MMB: P220/month
  • Dormancy Period: 1year
  • Dormancy Fee: P250/month

CORPORATE: SEC registration, Articles of Incorporation, and other corporate documents.

  • Initial Deposit: P20,000
  • Minimum Maintaining Balance (MMB): P20,000
  • Balance to earn interest: P50,000
  • Interest Rate: 1.00%
  • Penalty for falling below MMB: P330/month
  • Dormancy Period: 1year
  • Dormancy Fee: P250/month

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.


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PNB Combo Account

PNB Combo-Savings

To open an account:

INDIVIDUAL: You must have existing savings account with average daily balance of P25,000 for six months and bring two valid IDs.

  • Initial Deposit: P25,000
  • Minimum Maintaining Balance (MMB): P25,000
  • Balance to earn interest: P25,000
  • Interest Rate: 0.50%
  • Penalty for falling below MMB: P110/month
  • Dormancy Period: 2 years
  • Dormancy Fee: P55/month


CORPORATE: SEC registration, Articles of Incorporation, and other corporate documents.

  • Initial Deposit: P50,000
  • Minimum Maintaining Balance (MMB): P50,000
  • Balance to earn interest: P50,000
  • Interest Rate: 0.50%
  • Penalty for falling below MMB: P110/month
  • Dormancy Period: 2 years
  • Dormancy Fee: P55/month

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PNB Combo-Checking

To open an account:

INDIVIDUAL/COPORATE

  • Initial Deposit: None
  • Minimum Maintaining Balance (MMB): None
  • Balance to earn interest: None
  • Interest Rate: None
  • Penalty for falling below MMB: None
  • Dormancy Period: 1 year
  • Dormancy Fee: P55/month

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

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PESO TERM DEPOSITS

Regular Time Deposit

For a minimum of P10,000, you can save and earn high interest for a fixed-term––from 30 days to one (1) year.


PNBig Savings
Premium interest to our valued savers!

Open a PNBig Savings to accelerate the growth of your deposit. For a minimum placement of P25,000, PNBig Savings gives you better return than a time deposit. Minimum term is 30 days and the maximum term is 1 year.

Your PNBig Savings account comes with a passbook that allows you to track easily your balance and earnings. The passbook can also record separate investments in your PNBig Savings.

To open an account:

Bring two valid IDs.

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

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FOREIGN CURRENCY ACCOUNTS

Dollar Savings Account

Initial deposit and maintaining balance: US$500.00

  • Initial Deposit: US$500
  • Minimum Maintaining Balance (MMB): US$500
  • Balance to earn interest: US$1,000
  • Interest Rate: 0.75%
  • Penalty for falling below MMB: US$10/month
  • Dormancy Period: 2 years
  • Dormancy Fee: US$10/month

To open an account:

INDIVIDUAL: Bring two valid IDs.

CORPORATE: SEC registration, Articles of Incorporation, and other corporate documents.

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PNB GreenCheck

Earns interest like a Dollar Savings.

Works like a US-based checking account.

There’s a greener pasture for your U.S. Dollar funds!

For $2,000 initial deposit, you can now open a PNB GreenCheck. This account earns interest like a U.S. Dollar Savings account once the balance reaches $5,000. At the same time, your GreenCheck clears like checks drawn from US-based account, making it more acceptable to your business partners.

Go ahead, enjoy your time and get the best deals in town while your check flies to the U.S.

Available at any of our online PNB branches in Metro Manila and selected provincial cities.

  • Initial Deposit: US$2,000
  • Minimum Maintaining Balance (MMB): US$2,000
  • Balance to earn interest: US$5,000
  • Interest Rate: 0.50%
  • Penalty for falling below MMB: US$20/month
  • Dormancy Period: 1 year
  • Dormancy Fee: US$10/month

To open an account:

INDIVIDUAL: Bring two valid IDs.

CORPORATE: SEC registration, Articles of Incorporation, and other corporate documents.

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.


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PNB Greenmarket ( $ Time Deposit )

Earn more from your U.S. dollars, open a PNB time deposit account.

Minimum Placement: US$1,000. Minimum Term: 30 days.

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.


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PNB $ M.I.N.T.

Minimum Deposit: US $5,000
Holding Period: 6 months

The monthly interest net of tax (M.I.N.T.) is credited to your savings or checking account for ready accessibility.

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

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PNB Direct Deposit Program

Good news to all USVA/USSSA pensioners/beneficiaries!

The fastest link from the U.S. Treasury to you is now available through the PNB Direct Deposit account. Under the PNB Direct Deposit Program, pension payments of U.S. agencies to pensioners/beneficiaries based in the Philippines will be credited directly to their accounts with PNB.

Now, you don’t have to go through a tiresome and complicated process of claiming your monthly checks at the post office and bringing it to a bank for verification and approval. All you need is a PNB Direct Deposit account to enjoy safe, reliable, convenient and economical way of receiving your monthly benefits.

Open an account now! For particulars, get in touch with any of our branches near you.

  • Initial Deposit: US$200
  • Minimum Maintaining Balance (MMB): US$200
  • Balance to earn interest: US$1,000
  • Interest Rate: 0.75%
  • Penalty for falling below MMB: US$10/month
  • Dormancy Period: 2 years
  • Dormancy Fee: US$10/month
  • Available at all PNB domestic branches.

To open an account:

You must be a US pensioner and receiving a pension/benefit on a monthly basis and bring your latest USTW check or any letter from your agency and two valid IDs.

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

OFW's & BENEFICIARIES

  • Initial Deposit: US$200
  • Minimum Maintaining Balance (MMB): US$200
  • Balance to earn interest: US$1,000
  • Interest Rate: 0.75%
  • Penalty for falling below MMB: US$10/month
  • Dormancy Period: 2 years
  • Dormancy Fee: US$10/month

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Online Services for Corporate Clients

Rapid Access Plus

For an average daily balance of at least P5 million or monthly subscription fee of:

P4,000 for clients with personal computer
P5,500 for clients with PNB-provided personal computer.
You can now avail yourself of PNB's rapid access electronic banking which allows access to your online PNB checking and savings account from your PC at home or office.

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

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PNB Collection System

The PNB Collection System is an online system that will facilitate the acceptance of payments of your customers and partners for credit to your company account.

PNB offers this service to corporate clients with extensive customers nationwide. To avail yourself of this convenient service, simply maintain a savings and/or demand deposit account.

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

Note: All deposits are insured by Philippine Deposit Insurance Corporation for up to P100,000 per depositor.

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Other Products on Sale

Demand Drafts

Demand drafts drawn on domestic and overseas PNB Branches as well as overseas correspondent banks can be purchased in most PNB offices nationwide to transfer funds within the Philippines, or remit payments overseas at a rate much cheaper than a telegraphic transfer. Whenever applicable, PNB issues foreign demand drafts to effect payments on remittances.

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Cashier's/Manager's Check

This is a funded check issued by PNB to a specified payee at the order of the purchaser, and is negotiable only within a specified area.

Service Fee: P30.00


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Gift Cheque

While working abroad, you may purchase the new PNB Mabuhay Peso Gift Cheque as gift to your family and friends in the Philippines.

Encashable to bearer of check at any of our domestic branches. This is available in P1,000, P3,000, P5,000 and P10,000 denominations.

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Mabuhay Travelers Cheque

On your next trip to your favorite tourist spots in the Philippines, always remember to carry the PNB Mabuhay TCs. It is the first and only domestic travelers cheque in the Philippines.

Features:

  • speedy replacement in case of loss
  • accepted by more establishments
  • no expiry date
  • denominated in P500, P1,000, P5,000 and P 10,000

Sales Outlets:

Mabuhay TCs are available at the following outlets:

  • PNB overseas offices in New York, Los Angeles, London, Hong Kong, Singapore, Honolulu, Tokyo, Taiwan and PNB Guam Corp.,
  • Metro Manila branches and selected overseas representative offices/remittance centers/provincial branches.

Mabuhay TCs are negotiable at all PNB branches, leading hotels, resorts, department stores, restaurants and shops and leading commercial establishments nationwide (see listing).

For more details, email Channel Cash Fund Management, or
call
551-5808, 526-3368, 536-0526 or drop by a PNB Branch near you.

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Philippine National Bank
CASA Deposit Product
Effective April 1, 2007

DEPOSIT PRODUCTS Account Access Initial Deposit Minimum Monthly ADB / MMB Balance To Earn Interest Interest Rate (per annum) Penalty for Falling Below ADB/MMB (per month) Dormancy Period Dormancy Fee
PNB PASSBOOK SAVINGS ACCOUNT
Passbook
P10,000
P10,000
P15,000
0.50%
P200
2 years
P250
PNB SUPERTELLER ATM
ATM
P5,000
P5,000
P10,000
0.50%
P200
2 years
P250
PNB FIRST ACCESS ATM
ATM
P5,000
P5,000
P10,000
0.50%
P200
2 years
P250
PNB OFW Account
ATM & Passbook
P100
P100
P5,000
0.50%
P55
2 years
P110
PNB Direct Deposit Program
Passbook
P100
P100
P5,000
0.50%
P55
2 years
P110
PNB SSS Pensioners
ATM & Passbook
P100
P100
P5,000
0.50%
P55
2 years
P110
PNB GSIS Pensioners
ATM & Passbook
P100
P100
P5,000
0.50%
P55
2 years
P110
PNB PRIME SA
Passbook
P50,000
P50,000
P50,000
2.50% to 3.50%
P200
2 years
P250
PNB BUDGET CHECKING
Checkbook
P2,500
P2,500
n/a
n/a
P220
1 year
P220
PNB REGULAR CHECKING
Individual
Checkbook
P10,000
P10,000
n/a
n/a
P220
1 year
P250
Corporate
Checkbook
P10,000
P10,000
n/a
n/a
P330
1 year
P220
PNBIG CHECKING
Individual
Checkbook
P20,000
P20,000
P25,000
1.00%
P220
1 year
P250
Corporate
Checkbook
P20,000
P20,000
P50,000
1.00%
P330
1 year
P250
PNB PRIORITY ONE CHECKING
ATM & Checkbook
P25,000
P25,000
P30,000
1.25%
P550
1 year
P250
PNB EXECUTIVE CHECKING
Checks
P100,000
P100,000
P100,000
1.00%
P500
1 year
P200
PNB COMBO CHECKING ACCOUNT
Individual SAVINGS ACCOUNT
Passbook
P25,000
P25,000
P25,000
0.50%
P110
2 years
P55
CHECKING ACCOUNT
Checkbook
None
None
None
None
None
1 year
P55
Corporate SAVINGS ACCOUNT
Passbook
P50,000
P50,000
P50,000
0.50%
P110
2 years
P55
CHECKING ACCOUNT
Checkbook
None
None
None
None
None
1 year
P55
PNB DOLLAR SAVINGS ACCOUNT
Passbook
$500.00
$500.00
$1,000.00
0.75%
$10.00
2 years
$10.00
PNB OFW DOLLAR SAVINGS ACCOUNT
Passbook
$200.00
$200.00
$1,000.00
0.75%
$10.00
2 years
$10.00
PNB DIRECT DEPOSIT DOLLAR SAVINGS ACCOUNT
Passbook
$200.00
$200.00
$1,000.00
0.75%
$10.00
2 years
$10.00
PNB GREENCHECK ACCOUNT
Checkbook
$2,000.00
$2,000.00
$5,000.00
0.50%
$20.00
1 year
$10.00
PNB EURO SAVINGS ACCOUNT
Passbook
€500
€500
€500
0.75%
€5
2 years
€5


Philippine National Bank
Term Deposit Product
as of September 2006

Product Name
Initial Deposit & Minimum Monthly ADB/MMB
Minimum Holding Period
Interest Payment
Documentation
Pretermination Penalty Rates
< 1/2 of term
> 1/2 of term
PNB Regular TD
P10,000
30 days
Upon maturity
CTD
3/4 of interest earned + DST
1/2 of interest earned + DST
PNBig Savings
P25,000
30 days
Upon maturity
Passbook
3/4 of interest earned + DST
1/2 of interest earned + DST
Wealth Multiplier
P50,000
90 days
Monthly
Passbook
3/4 of interest earned + DST
1/2 of interest earned + DST
Green Market
$1,000
30 days
Upon maturity
CTD
3/4 of interest earned + DST
1/2 of interest earned + DST
Euro Time Deposit
€1,500
30 days
Upon maturity
CTD
3/4 of interest earned + DST
1/2 of interest earned + DST
PNB Dollar Mint
P10,000
180 days
Monthly
Passbook
3/4 of interest earned + DST
1/2 of interest earned + DST

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Head Office: PNB Financial Center
President Diosdado Macapagal Blvd.
Pasay City, Metro Manila, Philippines 1300


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