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

With our Premium Peso 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 Peso 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 = PhP15 per transaction
    • PESONet = PhP50 per transaction

  • via PSBank Mobile QR - PhP15 per transaction


ATMs Balance Inquiry Withdrawal Declined transactions*









Other Banks' ATMs


Fee* of the Owner of the ATM shall apply, with option to cancel.

* Fees may vary per ATM Owner


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.

I.  Completely filled-out bank forms:

  1. Customer Information Sheet
  2. Specimen Signature Card
  3. Signing Instructions and Acknowledgement Receipt Form

* Checkbook Payment

II.  Valid IDs: At least one (1) Primary ID or two (2) Secondary IDs

  • Primary IDs:
    1. PhilID and various formats of PhilSys Digital ID / e-PhilID
    2. Philippine Passport
    3. Digitized Driver’s License (Professional or Non-Professional) ID
    4. Digitized Postal ID
    5. Professional Regulations Commission (PRC) ID
    6. Digitized Social Security System (SSS) ID
    7. Digitized Unified Multi-Purpose ID (UMID)
    8. Digitized Voter’s ID
    9. Digitized Overseas Workers Welfare Administration (OWWA) or Overseas Filipino Worker (OFW) ID
    10. Government Service Insurance System (GSIS) E-Card
    11. Digitized Pag-ibig Loyalty Card
    12. Digitized Tax Identification Number (TIN) ID or Digital TIN ID Generated Online (eTIN ID)
    13. Digitized Firearms License ID
    14. Integrated Bar of the Philippines (IBP) ID
    15. Digitized Seaman or Seafarer’s Book
    16. Photo-bearing School ID Signed by the Principal or Head of School with Birth Certificate Issued by Philippine Statistics
      Authority (PSA)

  • Secondary IDs
    1. Senior Citizen ID
    2. 2. Person with Disability (PWD) ID
    3. Non-Digitized Voter’s ID
    4. Non-Digitized Postal ID
    5. National Bureau of Investigation (NBI) Clearance
    6. Barangay Clearance Certificate / ID
    7. Police Clearance Certificate / ID
    8. Company ID Issued by Private Entities Registered or Regulated by Bangko Sentral ng Pilipinas (BSP) / Securities and Exchange Commissions (SEC) / Insurance Commission (IC)
    9. Photo-Bearing and Signature-Bearing Student Driver’s Permit / License
  • If Foreign National:
    1. Passport Issued by Country of Origin; AND
    2. Alien Certificate of Registration (ACR) ID or Special Resident Retiree’s Visa ID

For ACR, the Visa Status may either be (a) Permanent Resident or Temporary Resident or (b) Immigrant or Non-Immigrant Visa only.

  • Additional ID Requirements for Mainland Chinese National:
    1. Resident Identity Card (RIC) issued by Chinese Government

  • Filipinos who are also Foreign Nationals:
    1. ID Requirements for Filipino Citizens; OR
    2. ID Requirements for Foreign Nationals
  • For Corporation and Other Entities:
    1. SEC Certificate of Registration
    2. Secretary’s Certificate or Board Resolution
    3. Articles of Incorporation
    4. By-Laws
    5. General Information Sheet
    6. Secondary License

  • For Single Proprietorship:
    1. DTI Certificate of Registration
    2. Mayor’s or Business Permit
    3. Secondary License

A cooling-off period of two (2) banking days is granted from the date of account opening. During the cooling-off period, the Account Holder may cancel or terminate the account without penalties, by submitting a written notice to the Bank. The Bank, however, reserves the right to deduct the documentary stamp and other taxes due thereon, if any, and collect reasonable processing, closure / pre-termination, and administrative fees when applicable, to cover the costs incurred during account opening.  The cooling-off period is available for financial consumers who are individuals, or micro and small enterprises as defined in applicable DTI regulations.

For more information:


General Provisions on Deposits and Other Products / Services


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

PSBank Near You

Cardless Withdrawal

Learn More


PH Peso - US Dollars

PhP {{buying}}

Today is May 21, 2024
Guiding Rate as of {{asOf | date: 'MM/dd/yy'}}

PSBank Online

Log in