The PSBank Premium Checking account offers high earnings and reliable services.

With our Premium Checking account, everything you need is in your hands. No more rushing to meet bank hours or braving the crowd at an ATM. Giving you the comforts provided by a record book, an ATM card* and checkbook, our three-in-one Premium Checking account also allows you to enjoy higher yields than those provided by a regular savings account. Earn more as your balance increases with the tiered- interest rate.

Open an account at any branch and enroll in PSBank Online and PSBank Mobile. Experience secure and convenient 24/7 e-banking facilities that offer delightful banking moments.

Fill out an account opening form or get in touch with us for more information on our products and services.

* Only individual/personal accounts shall be furnished with ATM cards


Minimum Maintaining Balance


Average Daily Balance (ADB) Requirement


Evidence of Deposit

Checkbook, ATM Card and Record Book

Interest Rate

Click here for the prevailing interest rates

Interest Crediting



  • Higher yields as the account balance increases

  • Day and night banking via BancNet ATMs nationwide and Mastercard ATMs worldwide

  • Easy monitoring of transactions with record book

  • Enrollment in PSBank Online and PSBank Mobile, the Bank's secure and convenient electronic banking facilities, allows you to check your account balances and perform other banking transactions anytime, anywhere.
Service fee (falling below maintaining balance)

PhP500 is charged if account falls below the required average daily balance for two consecutive months.

Service fee (accounts closed within 1 month from opening date)

PhP500 is charged if account was closed within one month from opening date.

Request for account balance and transaction history
  • via PSBank branch/PSBank Online / PSBank Mobile
  • PhP100 for the 1st 3 pages, PhP 20.00 for every succeeding page
  • via ATM = FREE for the last 5 transactions
Checkbook re-order

Personal:    PhP250 per checkbook

Corporate: PhP500 per checkbook

Returned check charges
  • A fixed fee of PhP2,000 shall be charged for every check returned due, but not limited to reasons such as insufficient funds, stop payment order or closed account.
  • Overdraft charge is PhP200 for every PhP40,000 or a fraction thereof per day
Stop payment order fees for checks
  • Application fee per check: PhP200
  • Returned SPO check presented for clearing
    • Funded check: PhP2,000
    • Unfunded check: PhP2,000 + PhP200 for every PhP40,000 or a fraction thereof per day.
Withdrawal fee at any PSBank Branch
  • up to PhP100,000 = PhP50 withdrawal fee
  • PhP100,001 = PhP100 withdrawal fee
Card replacement fee (for lost / stolen / demagnetized card)

PhP200.00 per card

Inter-bank fund transfer (if source account)
  • via ATM  = PhP25
  • via PSBank Mobile and PSBank Online 
    • InstaPay = Waived (until further notice)
    • PESONet = Waived (until further notice)

  • via PSBank Mobile QR - Waived (until further notice)


ATMs Balance Inquiry Withdrawal Declined transactions*









BancNet-member Bank and ExpressNet




Mastercard (overseas)

US$1 per inquiry

US$3.50 per transaction

US$1.50 per transaction

* (insufficient funds and/or exceeds daily transaction frequency)

Note: All aforesaid fees and charges will take effect immediately and may be cancelled or modified anytime at the Bank’s sole discretion without any prior notice.

For individual clients:

  • Completely filled-out bank forms
    • Customer Information Sheet (CIS) for Individual Clients
    • Signature Card
    • Signing Instructions and Acknowledgement of Receipt Form

  • Presentation of at least one Valid / Acceptable ID with photo and signature
    •  List of Valid Government - Issued IDs:
      • Digitized Non-Professional / Professional Driver's License
      • Digitized Postal ID, As issued by the Philippine Postal Corporation (PPC)
      • Digitized Social Security System (SSS)
      • Digitized Unified Multi-Purpose ID (UMID)
      • Government Service Insurance System (GSIS) E-card
      • Overseas Workers Welfare Administration (OWWA) Overseas Filipino Workers (OFW) E-Card
      • Philippine Government Issued Passport
      • Professional Regulation Commission (PRC) License
      • Seafarer's Identification and Record Book (Seaman's Book), as issued by the Department of Transportation Maritime Industry Authority
      • Senior Citizen ID
      • Special Resident Retiree's VISA or SRRV Card (In Lieu of ACR / ACR I-Card)
      • Voter's ID

  • Checkbook Payment

For corporate clients:

  • Completely filled-out bank forms
    • Customer Information Sheet (CIS) for Corporate Clients and Other Entities
    • Customer Information Sheet (CIS) for Authorized Signatories of Corporate Accounts
    • Signature Card
    • Signing Instructions and Acknowledgement of Receipt Form
    • Customer Information Sheet (CIS) for Beneficiaries and Beneficial Owners (for each director, partner, stockholder owning at least 20% of the voting stock, and other beneficial owners, if applicable).

  • Presentation of at least one Valid / Acceptable ID with photo and signature

For more information:


* Deposits are insured by PDIC up to PhP500,000 per depositor.

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