PNB Budget Checking Account
Use this checking account for limited check issuances to maximize your money’s potential. Take advantage of the low maintaining balance so you can free up your funds for other interest-earning or high yield investments.

Product Features:

  • Low maintaining balance
  • Non-Interest earning account
  • Statement of accounts are sent on a monthly basis
  • Issue check as medium of payment
  • Convenient and safer to carry than cash
  • Deposit/Withdraw at PNB’s extensive branch network nationwide

Requirements for Account Opening:

  • 2 photo-bearing government issued IDs (e.g., driver’s license, SSS/ GSIS ID, voter’s ID, PRC license, passport)
  • 2 ID pictures (1×1 or 2×2)
  • Accomplished Client Information Form, Account Information Form, Signature Card and Conditions Form

Required Initial Deposit: Php 5,000.00

Budget Checking Account Fees and Charges

Balance Requirement
Initial Deposit Php 5,000.00
Minimum Maintaining Balance Php 5,000.00
Minimum ADB to Earn Interest
Interest Rate
Dormancy 1 year
**Dormancy Fee Php 30.00
Other Charges
Checkbook cost Php 175.00 
Average Daily Balance (ADB) of the account falls below the required minimum monthly ADB for at least two (2) consecutive months. Php 300.00
Interbranch/interoffice deposit transactions

Except transactions made between and among the following branches –
  • Basco, Odiongan, Romblon, Bantayan, Tawi-Tawi, Tawi-Tawi Bongao, Jolo, Jolo-Arolas, Basilan and Basilan-Roxas
Free



Php 100.00
Interbranch/interoffice withdrawal transactions

Except transactions made between and among the following branches –
  • Basco, Odiongan, Romblon, Bantayan, Tawi-Tawi, Tawi-Tawi Bongao, Jolo, Jolo-Arolas, Basilan and Basilan-Roxas
Free



Php 200.00

** Dormancy fees on a dormant deposit accounts shall be collected when:
– 5 years after the last activity and
– If the balance falls below the required minimum maintaining balance.

The PNB Budget Checking Account is available at all PNB branches nationwide.