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PNB Priority Checking Account

Get all your banking needs with one account that’s made to put you first. Enjoy the perks of a debit card, track your money with a passbook, and make payments easy with your own checkbook.

Why open a PNB Priority Checking Account

  • ✓ Every account comes with a PNB PAL Mabuhay Miles Priority Mastercard Checkbook and Passbook
  • ✓ Earn interest while you save
  • ✓ Use your card to pay online and offline to enjoy exciting perks and rewards
Ready to open an account?
Bank and track your account anywhere
Get all your banking needs with one account that’s made to put you first. Enjoy the perks of a debit card, track your money with a passbook, and make payments easy with your own checkbook.
Ready to open an account?
Bank and track your account anywhere

Why open a PNB Priority Checking Account

  • ✓ Every account comes with a PNB PAL Mabuhay Miles Priority Mastercard Checkbook and Passbook
  • ✓ Earn interest while you save
  • ✓ Use your card to pay online and offline to enjoy exciting perks and rewards

What are the requirements to open for a PNB Priority Checking Account

  • 2 Government-issued Valid IDs
  • Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
  • Initial Deposit of PHP 25,000

  • *Branch may request for Proof of Billing for further validation
    *May be required to be an existing PNB accountholder for at least 6 months

How to open a PNB Priority Checking Account

Visit the branch and present requirements

Wait for your checkbook, passbook, and debit card

Enroll your account in PNB Mobile Banking App

How to enroll your account to PNB Mobile Banking App

  1. Click Sign-Up in the login page on PNB Mobile Banking App
  2. Choose account type and input Debit Card Number and PIN
  3. Create your user ID and password
  4. Enter 6-digit One-Time PIN (OTP) sent via SMS
  5. Upon initial login, enter Online Activation Code (OAC) sent via e-mail
  1. Visit the nearest PNB branch
  2. Fill-out the Digital Banking Enrollment Form (Download here)
  3. Click Sign-Up in the login page on PNB Mobile Banking App
  4. Enter account details and SMS PIN sent by the branch
  5. Upon initial login, enter Online Activation Code (OAC) sent via e-mail

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Frequently Asked Questions

  1. How much should I deposit?

  2. Initial Deposit PHP 25,000.00
    Minimum Maintaining Balance PHP 25,000.00
    Minimum ADB to Earn Interest PHP 25,000.00
    Interest Rate 0.100% p.a.
    Checkbook Cost PHP 250.00
  3. Is there a maintaining balance for this account?
    • The minimum maintaining balance for Priority Checking Account is PHP 25,000.
  4. Will I be charged for going below the maintaining balance?
    • If the Average Daily Balance (ADB) of your Priority Checking Account falls below the required minimum monthly ADB for at least two (2) consecutive months, it will be charged PHP 350.00 per month until your account reaches the ADB requirement.
  5. How do I get my debit card?
  6. When do I get my debit card?
    • Your PNB PAL Mabuhay Miles Priority Mastercard will be available for pick up at your PNB Branch of choice where you opened the account after 7-10 banking days from the date of account opening.
  7. How many checkbooks can I get?
    • Upon account opening, an initial checkbook will be given to you. Kindly coordinate with your maintaining branch for succeeding checkbook requests.
  8. When and how do I get my checkbook?
    • Your initial checkbook will be released by your PNB Branch of choice where you opened the account right after your account is opened.
  9. Are there fees for not using the checkbook?
    • There is no fee for not using your checkbook.
  10. When and how do I get my passbook?
    • Your initial passbook will be released by your PNB Branch of choice where you opened the account right after your account is opened.
  11. Up to how many passbooks can I have?
    • Upon account opening, only one passbook will be given to you by your PNB branch of choice. Kindly coordinate with your maintaining branch for succeeding passbook requests.
  12. Is there a fee to get a passbook?
    • None, passbook is free upon opening of account. Fully filled up passbook is replaced for free.
  1. What is a PNB PAL Mabuhay Miles Priority Mastercard?

    PNB PAL Mabuhay Miles Priority Mastercard features and benefits are as follows:
    • Earn points which can be redeemed for Mabuhay Miles when you shop at select merchant categories
    • Enjoy a 1,000 Mabuhay Miles welcome gift when you purchase from Philippine Airlines (PAL) within 3 months from card issuance
    • Withdraw at any BancNet ATMs in the Philippines
    • Accepted internationally at Mastercard and Maestro-affiliated shops and ATMs
    • Use for online transactions for ease and convenience
    • Tap to pay on any Mastercard contactless-enabled POS machines
  2. How do I use my card to purchase online?
    • To use your PNB PAL Mabuhay Miles Priority Mastercard for online purchases, simply input the card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online shops that you visit to avoid fraudulent transactions.
  3. Are there local transaction charges?
    • Local transaction charges are as follows:

    Withdrawal on PNB ATM None
    Inquiry on PNB ATM None
    Withdrawal on Other Bank’s ATM PHP 11.00
    Inquiry on Other Bank’s ATM PHP 2.00
    BancNet POS None
    Fund Transfer to Other Banks through BancNet (IBFT) PHP 25.00
  4. Can I use my card to pay online?
    • To use your PNB PAL Mabuhay Miles Priority Mastercard for online payments, simply input the card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online payment sites that you visit to avoid fraudulent transactions.
  5. Are there international transaction charges?
    • International transaction charges are as follows:

    Withdrawal PHP 150.00
    Inquiry PHP 75.00

    * All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. A fee of up to three percent (3%) will be imposed by the Bank on the converted amount which represents our service fee and other charges related to the transaction.
  6. Can I withdraw my money abroad?
    • Yes, you may withdraw your money abroad at any Mastercard and Maestro-affiliated shops and ATMs.
  7. How do I get OTP for my transactions?
    • Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB PAL Mabuhay Miles Priority Mastercard. Kindly ensure that your contact details are updated by visiting any PNB Branch. Only your registered mobile number will receive an OTP.
  8. Are there fees for OTP transactions?
    • OTP transactions are free of charge. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.
  9. What to do when I don’t get an OTP for transactions?
    • Expect to receive the OTP via SMS within five (5) minutes. If you do not receive the OTP, you may click the “Regenerate OTP” button to get a new one.
  1. How do I report a lost/stolen debit card?
  2. Is there a fee for debit card replacement?
    • Yes, card replacement is charged PHP 150.00
  3. How do I report a lost/stolen checkbook?
    • You may contact PNB Customer Care immediately at (632) 8573-8888 or visit your nearest PNB Branch to report the lost/stolen checkbook.
  4. Is there a fee for checkbook replacement?
    • Yes, checkbook replacement is charged PHP 250.00
  5. How do I report a lost/stolen passbook?
    • In case of lost / stolen passbook, immediately report to the Maintaining Branch or Customer Care. You may call (632) 8573-8888 or email customercare@pnb.com.ph. You may only have your lost passbook replaced at your Maintaining Branch.
  6. Is there a fee for passbook replacement?
    • For lost passbook, replacement fee is PHP 200.00. Fully filled up passbook will be replaced for free.

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Customer Care Contacts

PNB Cards
Tel. No.: (+632) 8818 9818
Email: pnbcreditcards@pnb.com.ph
Bank Hotline
Tel. No.: (+632) 8573 8888
Email: customercare@pnb.com.ph
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