PNB Budget Checking Account

It is a non-interest earning account, which is withdrawable through a limited issuance of checks. Free up your funds for other interest-earning or high yield investments with this low-maintaining account.

Balance Requirements

Initial Deposit	PHP 5,000.00
Min. Maintaining Balance	PHP 5,000.00
Min. ADB to Earn Interest	PHP 0.00
Interest Rate	N/A

Ready to open an account?

Start banking online today!

Got more questions?

PNB Budget Checking Account

Balance Requirements

Initial Deposit	PHP 5,000.00
Min. Maintaining Balance	PHP 5,000.00
Min. ADB to Earn Interest	PHP 0.00
Interest Rate	N/A

Ready to open an account?

Start banking online today!

Got more questions?

How to Open a PNB Budget Checking Account

Download and fill-out the account opening form

Visit the branch and present requirements

Wait for your checkbook

Enroll on PNB Digital Banking

How to Open a
PNB Budget Checking Account

	Download and fill-out the account opening form
	Visit the branch and present requirements
	Wait for your checkbook
	Enroll on PNBDigital Banking

Requirements for Account Opening

1 Valid ID (primary or secondary)

Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)

Initial Deposit of PHP 5,000

Requirements for
Account Opening

	1 Valid ID (primary or secondary)
	Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
	Initial Deposit of PHP 5,000

*PNB may require additional IDs or documents for further verification.

*May be required to be an existing PNB accountholder for at least 6 months

*PNB may require additional IDs or documents for further verification.

*May be required to be an existing PNB accountholder for at least 6 months

Frequently Asked Questions

Fees and Charges
Enroll in PNB Digital App & List of Valid IDs

Fees and Charges
Enroll in PNB Digital App & List of Valid IDs

BALANCE REQUIREMENT

Initial Deposit	PHP 5,000.00
Minimum Maintaining Balance	PHP 5,000.00
Minimum ADB to Earn Interest	PHP 0.00
Interest Rate	N/A
Dormancy	1 Year
Dormancy Fee*	PHP 30.00

*Dormancy fee shall be collected when:

– There is no client-initiated transaction in the last 5 years and;

– The balance falls below the required minimum maintaining balance.

Initial Deposit	PHP 5,000.00
Minimum Maintaining Balance	PHP 5,000.00
Minimum ADB to Earn Interest	PHP 0.00
Interest Rate	N/A
Dormancy	1 Year
Dormancy Fee*	PHP 30.00

*Dormancy fee shall be collected when:

– There is no client-initiated transaction in the last 5 years and;

– The balance falls below the required minimum maintaining balance.

OTHER CHARGES

Checkbook Reorder	PHP 250.00
Closure within 30 days upon opening	PHP 500.00
Average Daily Balance (ADB) of the account falls below the required minimum monthly ADB for at least two (2) consecutive months	PHP 350.00
On-us Check Encashment and Incoming Clearing Check in excess of 3 transactions per month	PHP 20.00
Over-the-counter Withdrawal (via withdrawal slip)	PHP 50.00
Interbranch/interoffice deposit transactions*	FREE
Interbranch/interoffice withdrawal, on-us & off-us check encashment, fund transfer transactions*	FREE

* PHP 100 is applicable for interbranch deposit transactions, PHP 200 for interbranch withdrawal, check encashment and fund transfer in selected inter-island branches: PNB Batanes-Basco, PNB Occidental-Mindoro-Mamburao, PNB Occidental-Mindoro-San Jose, PNB Oriental Mindoro-Calapan, PNB Oriental Mindoro-Pinamalayan, PNB Romblon-Odiongan, PNB Romblon-Republika, PNB Marinduque-Boac, PNB Marinduque-Sta.Cruz, PNB Cantanduanes-Virac, PNB Masbate City, PNB Cebu-Bantayan, PNB Siquijor-Larena, PNB Boracay Station 2, PNB Davao Samal Island, PNB Camiguin-Mambajao, PNB Siargao Island-Dapa, PNB Marawi City MSU Campus (outgoing transactions only), PNB Tawi Tawi-Bongao, PNB Jolo-Arolas, PNB Basilan-Isabela-Roxas, PNB Basilan-Isabela-Strong Blvd., PNB Oriental Mindoro-Bongabong, PNB Oriental Mindoro-Calapan-San Vicente West, PNB Oriental Mindoro-Pinamalayan Malvar, PNB Oriental Mindoro-Puerto Galera, PNB Oriental Mindoro-Roxas, PNB Oriental Mindoro-Victoria, and PNB Romblon-Odiongan-Liwayway.

Checkbook Reorder	PHP 250.00
Closure within 30 days upon opening	PHP 500.00
Average Daily Balance (ADB) of the account falls below the required minimum monthly ADB for at least two (2) consecutive months	PHP 350.00
On-us Check Encashment and Incoming Clearing Check in excess of 3 transactions per month	PHP 20.00
Over-the-counter Withdrawal (via withdrawal slip)	PHP 50.00
Interbranch/interoffice deposit transactions*	FREE
Interbranch/interoffice withdrawal, on-us & off-us check encashment, fund transfer transactions*	FREE

ENROLL ON PNB DIGITAL BANKING

VALID IDs

Primary ID:

✓ Valid Passport

✓ Driver’s License

✓ Unified Multi-Purpose ID

✓ Digitized BIR TIN Card

✓ SSS ID

✓ GSIS e-Card

✓ PRC ID

✓ IBP Lifetime Membership ID

✓ NBI Clearance

✓ Work Permit issued by DOLE for Foreign Nationals

✓ PhilSys ID/digital ID/printed ePhilID

For Foreign Nationals

✓ Passport with ACR issued by Bureau of Immigration; and

✓ Any of the following IDs issued by their country of origin or by the Republic of the Philippines:

✓ National ID
✓ Internal Revenue Service ID
✓ SSN ID
✓ Driver’s License
✓ Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
✓ Company ID issued by private entities registered with or supervised or regulated either by BSP, SEC, or IC

Secondary ID:

✓ Police Clearance

✓ Digitized Postal ID

✓ Voter’s ID

✓ Tax Identification Number Card

✓ Barangay Certification

✓ Senior Citizen Card

✓ MARINA Professional Identification Card

✓ OWWA ID

✓ OFW ID

✓ Seaman’s Book

✓ Alien Certification of Registration/Immigrant/

Certificate of Registration

✓ Government Office and GOCC ID

(e.g. AFP, HDMF IDs)

✓ Persons with Disability (PWD) Identification Card

✓ Certification from NCWDP

✓ DSWD Certification

✓ IBP ID

✓ PhilHealth ID Health Insurance Card ng Bayan

✓ Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC

* PNB may require additional IDs or documents for further verification.

Primary ID:

✓ Valid Passport

✓ Driver’s License

✓ Unified Multi-Purpose ID

✓ Digitized BIR TIN Card

✓ SSS ID

✓ GSIS e-Card

✓ PRC ID

✓ IBP Lifetime Membership ID

✓ NBI Clearance

✓ Work Permit issued by DOLE for Foreign Nationals

✓ PhilSys ID/digital ID/printed ePhilID

For Foreign Nationals

✓ Passport with ACR issued by Bureau of Immigration; and

✓ Any of the following IDs issued by their country of origin or by the Republic of the Philippines:

✓ National ID
✓ Internal Revenue Service ID
✓ SSN ID
✓ Driver’s License
✓ Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
✓ Company ID issued by private entities registered with or supervised or regulated either by BSP, SEC, or IC

Secondary ID:

✓ Police Clearance

✓ Digitized Postal ID

✓ Voter’s ID

✓ Tax Identification Number Card

✓ Barangay Certification

✓ Senior Citizen Card

✓ MARINA Professional Identification Card

✓ OWWA ID

✓ OFW ID

✓ Seaman’s Book

✓ Alien Certification of Registration/Immigrant/

Certificate of Registration

✓ Government Office and GOCC ID

(e.g. AFP, HDMF IDs)

✓ Persons with Disability (PWD) Identification Card

✓ Certification from NCWDP

✓ DSWD Certification

✓ IBP ID

✓ PhilHealth ID Health Insurance Card ng Bayan

✓ Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC

* PNB may require additional IDs or documents for further verification.

	Visit the nearest PNB branch
	Fill-out Digital Banking Enrollment Form (Download here)
	Click Sign-Up in the login page on PNB Digital Banking
	Enter account details and SMS PIN sent by the branch
	Enter Online Activation Code sent via e-mail

PNB Budget Checking Account

Balance Requirements

Ready to open an account?

Start banking online today!

Got more questions?

PNB Budget Checking Account

Balance Requirements

Ready to open an account?

Start banking online today!

Got more questions?

How to Open a PNB Budget Checking Account

How to Open aPNB Budget Checking Account

Requirements for Account Opening

Requirements forAccount Opening

Frequently Asked Questions

BALANCE REQUIREMENT

BALANCE REQUIREMENT

OTHER CHARGES

OTHER CHARGES

ENROLL ON PNB DIGITAL BANKING

ENROLL ON PNB DIGITAL BANKING

VALID IDs

VALID IDs

How to Open a
PNB Budget Checking Account

Requirements for
Account Opening