BPI Direct Savings and Checking Accounts | BPI Direct Save-up Account | BPI Direct Peso Time Deposit Rates | Other Service Charges | Interest on Accounts... Deposit Rates BPI Direct ATM Savings and Checking Accounts Balance Requirements and Interest Rates .As Of:

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Type of Deposit Account				BPI Direct ATM Savings	BPI Direct Checking
	Required Minimum Monthly ADB			PhP 500.00	PhP 25,000.00
	Required Daily Balance to Earn Interest			PhP 500.00	PhP 25,000.00
	Service Charge if below Minimum ADB			PhP 150.00	PhP 150.00
	Interest Rates (per annum)				1.125%
		If daily balance is:
			PhP 0 - 499	0.000%
			PhP 500 & above	1.375%

BPI Direct Save-Up Account

Particulars				Interest Rate/ Balance Requirements
	Required Minimum Monthly ADB			PhP 1,000.00
	Required Daily Balance to Earn Interest			PhP 1,000.00
	Service Charge if below Minimum ADB			PhP 150.00
	Interest Rates (per annum)
		If daily balance is:
			PhP 0 - 999	N.A.
			PhP 1,000 - 399,999	1.00%
			PhP 400,000 & above	2.00%

BPI Direct Peso Time Deposit Rates (per annum)

For the period: July 3 - July 9, 2012
Amount		35 days	63 days	91 days
	PhP 1,000 – 10,000	----	----	1.750%
	PhP 10,000 - 50,000	1.750%	1.750%	1.875%
	PhP 50,000 - 100,000	2.000%	2.000%	2.000%
	PhP 100,000 - 500,000	2.125%	2.125%	2.125%
	PhP 500,000 - 1,000,000	2.250%	2.250%	2.250%
	PhP 1,000,000 - 5,000,000	2.375%	2.375%	2.375%
	Over PhP 5,000,000	2.500%	2.500%	2.500%

Note : ..........·...These rates are for BPI Direct clients only.

Other Service Charges

Type of Service Charge			Amount
	Fee for closing within one month from date of account opening		PhP 500.00
	Bank Certification		PhP 100.00
	Falling Below Required ADB		PhP 150.00
	Monthly Dormancy Fee		PhP 200.00
	Balance Inquiry using Cirrus-affiliated ATM machine		USD 1.00
	Unsuccessful Transaction using Cirrus-affiliated ATM machine		USD 0.50
	Successful Withdrawal using Cirrus-affiliated ATM machine		USD 2.50
	Service Fee for withdrawal using other ExpressNet-member banks, Megalink and Bancnet ATMs		PhP 10.00
	Service fee for Balance Inquiry using other ExpressNet-member banks, Megalink and Bancnet ATMs		PhP 1.50
	ATM Card Replacement		PhP 100.00
	Personal Check		PhP 175.00
	Commercial Check		PhP 350.00
	Temporary Overdraft - Honored (Funded)
	-Fixed Fee		PhP 1,000.00
	-Plus		PhP 200.00 for every PhP 40,000.00 or a fraction thereof per day
	Temporary Overdraft - Returned (DAIF/DAUD)
	-Fixed Fee		PhP 2,000.00
	-Plus		PhP 200.00 for every PhP 40,000.00 or a fraction thereof per day
	Stop Payment Order (SPO) Application (per check)		PhP200.00
	Stop Payment Order - Funded
	-Fixed Fee		PhP2,000.00
	Stop Payment Order - Unfunded
	-Fixed Fee		PhP2,000.00
	-Plus		PhP 200.00 for every PhP 40,000.00 or a fraction thereof per day
	Technicalities
	-Fixed Fee		PhP2,000.00 per item except the following: post/stale dated signature missing date irregular
		Effective March 16, 2009
Interest On Accounts
... Interest on your savings and/or current account(s) will be calculated based on such account’s daily balance, provided that your balance does not fall below the required balance to earn interest. Interest earned shall be credited according to the prevailing Bank-determined interest rate applicable. Your account balances shall be maintained at the agreed/required monthly average daily balance (ADB) computed as follows: ADB = (Day 1 ending balance + Day 2 ending balance… + Day 30 or 31 ending balance) ...................................No. of days in the month (i.e 30/31 days)
Member of the Philippine Deposit Insurance Corporation. Maximum Deposit Insurance for Each Depositor P500,000.