Fees and Charges

PESO CHECKING ACCOUNTS
1. Minimum - Initial Deposit
a. Individual, Partnership, and Sole Proprietorship Accounts	Php 10,000.00
b. Corporate Accounts	Php 15,000.00
2. Monthly Maintenance Charges for Checking Accounts
a. Individual, Partnership, and Sole Proprietorship Accounts	Php300.00 per month if balance falls below the minimum monthly average daily balance of Php10,000.00
b. For Corporate Accounts	Php300.00 per month if balance falls below the minimum monthly average daily balance of Php15,000.00
c. For Dormant Accounts	Php30.00 per month on dormant deposit accounts if balance falls below the minimum monthly average daily balance if inactive for five (5) years and upon prior notice.
3. Rejected Checks Issued
a. Rejected due to uncollected or insufficient funds (CICSRR Sec.24.1 & 24.5)	Php2,000.00 service charge plus penalty charge of Php200.00 per day for every Php40,000.00 or a fraction thereof based on amount of check, to be charged on both working and non-working days.
b. Rejected due to exceeds authority limit (CICSRR Sec.24.1 & 24.5)	Service charge of Php2,000.00
c. Returned checks for reason "Payment Stopped" (Funded or Unfunded) (CICSRR Sec.24.1 & 24.5)	Php2,000.00 service charge plus penalty charge of Php200.00 per day for every Php40,000.00 or a fraction thereof based on amount of check, to be charged on both working and non-working days.
4. Checkbook requisition	At prevailing rate set by the Printing Company Presently. Php250.00 - Personal Checks Php500.00 - Commercial Checks

PESO SAVINGS ACCOUNTS
1. Minimum - Initial Deposit	Php 2,000.00
2. Monthly Maintenance Charge
Active Accounts	No interest shall be paid if balance falls below the minimum monthly average daily balance of Php5,000.00 Php300.00 per month if balance falls below the minimum monthly average daily balance of Php2,000.00 for two (2) consecutive months.
Dormant Accounts	Php30.00 per month on dormant deposit accounts if balance falls below the minimum monthly average daily balance if inactive for five (5) years and upon prior notice. Php300.00 per month if balance falls below the minimum monthly average daily balance of Php2,000.00
3. Closing of Accounts	Php200.00 if account is closed within 30 days from the date of account opening.
4. Accounts with Automatic Transfer Arrangement	Php300.00 per month on regular Peso Savings Account with Automatic Transfer Arrangement (ATA) if balance falls below the minimum monthly average daily balance of Php10,000 for individual account and Php20,000 for corporate account.
5. Lost Passbook	Php200.00 charge for the replacement of lost passbook.

PESO SAVINGS ATM ACCOUNTS
1. Minimum - Initial Deposit	Php 500.00
2. Monthly Maintenance Charge
a. Active Accounts	No interest shall be paid if balance falls below the minimum monthly average daily balance of Php5,000.00 Php300.00 per month if balance falls below the minimum monthly average daily balance of Php500.00 for two (2) consecutive months.
b. Dormant Accounts	Php30.00 per month on dormant deposit accounts if balance falls below the minimum monthly average daily balance if inactive for five (5) years and upon prior notice. Php300.00 per month if balance falls below the minimum monthly average daily balance of Php500.00
3. Closing of Accounts	Php200.00 if account is closed within 30 days from the date of account opening.
4. Replacement of Damaged/Lost/Stolen ATM Card	Php150.00
5. Change of PIN(forgotten)	Php150.00
6. Replacement of a misprinted card (If already received by the cardholder)	Php150.00
7. Replacement of a misprinted card (Due to erroneous data/info input by branch personnel) Branch expense or charge to new accounts.	Php150.00
8. Other Charges
a. Inter-Bank Fund Transfer Fee (IBFT)	Php25.00
b. Acquirer Balance Inquiry Fee	Php2.00
c. Acquirer Withdrawal Fee	Php15.00
d. Maximum withdrawal amount per day	Php20,000.00
e. Maximum withdrawal frequency per day	none
f. Maximum withdrawal amount per transaction (PTC's ATM)	Php10,000.00
g. Minimum withdrawal amount per transaction (PTC's ATM)	Php100.00
h. ATM card jacket	Php10.00
i. ATM Account Over the Counter withdrawal (less than the standard withdrawal limit)	Php100.00
j. CCTV Viewing - For Metro Manila Branches	Php1,000.00
k. CCTV Viewing - For Provincial Branches	Php1,500.00

PESO TIME DEPOSIT
1. Minimum - Initial Deposit	Php5,000.00
2. Doc. Stamps Tax	Php 1.50 for every Php 200.00 of fraction thereof
3. Pretermination - TCD
a. Within the first half of the agreed term	25% of agreed interest rate No interest will be paid if preterminated within 7 days from the date of deposit/renewal (Memo dated April 21, 1993)
b. Within the second half of the agreed term	50% of agreed interest rate Cost of documentary stamps php1.50 for every Php200.00 or fraction thereof Time deposit with term of less than 1 year the Doc. Stamp shall be of a proportional amount in accordance with the ratio of its term in number of days to 365 days (R.A 9243 Sec.179) If preterminated will be charged to the proceeds of the placement. No interest will be paid if preterminated within 7 days (Memo dated April 21, 1993)
c. The cost of Documentary Stamps will be deducted from the proceeds of the preterminated time deposit or can be paid in cash by the account holder.
4. Pretermination - TCD Long Term
a. The deposit shall be subject to income tax as provided under Section 24 (B) (1) of the Tax Reform Act of 1997 which states "xxx a final tax shall be imposed on the entire income and shall be deducted and withheld by the depository bank from the proceeds of the long - term deposit or investment certificate based on the remaining maturity thereof: If the pretermination occurs after Final Tax Four (4) years to less than five (5) years 5% Three (3) years to less than four (4) years 12% Less than three (3) years 10%
b. The interest to be paid shall be adjusted as follows: If the pretermination occurs after: Interest to be paid Four (4) years to less than five (5) years Agreed Rate x 95% less Tax Three (3) years to less than four (4) years Agreed Rate x 80% less Tax Two (2) years to less than three (3) years Agreed Rate x 70% less Tax One (1) year to less than two (2) years Agreed Rate x 60% less Tax Six months to less than one (1) year Agreed Rate x 50% less Tax Three months to less than six months Agreed Rate x 25% less Tax Below three months 0%
c. The cost of Documentary Stamps will be deducted from the proceeds of the preterminated time deposit. Php1.50 for every Php200.00

Loans
1. Appraisal Fee
1.1 Real Estate
a. Areas within Metro Manila	Php2,500.00 Additional Php500.00 for each title submitted for appraisal. Additional Php1,000.00 for each collateral located within the same subdivision or location. Additional Php2,000.00 for each collateral located far from the first location and within the same city/province.
b. Areas outside Metro Manila (with one day/office hours fieldwork)	Php5,000.00 Additional Php500.00 for each collateral submitted for appraisal. Additional Php1,000.00 for each collateral located within the same subdivision or location. Additional Php2,000.00 for each collateral located far from the first location and within the same city/province.
c. Areas Outside Metro Manila (with overnight or more than one day fieldwork)	Php5,000.00 Additional Php500.00 for each title submitted for appraisal. Additional Php1,500.00 for each collateral located within the same subdivision or location. Additional Php2,500.00 for each collateral located far from the first location and within the same city/province. Note: Plus airfare, hotel accommodation, gasoline expenses and actual receipted incidental expenses. Collecta
d. Large parcels of land (several subdivision lots)	Apply the above basic rates and additional charges (on case-to-case basis)
1.2 Chattel Mortgage
A. Machinery and Equipment
a.1 Areas within Metro Manila	Php1,500.00 - Php3,000.00
a.2 Areas outside Metro Manila	Php2,000 - Php4,000.00+Actual receipted expenses
B. Used car
b.1 Areas within Metro Manila	Php1,500.00 - Php3,000.00
b.2 Areas outside Metro Manila	Php2,000 - Php4,000.00+Actual receipted expenses
2. Documentary Stamp
a. On mortgage document	When the amount secured does not exceed Php5,000.00 - Php40.00. On each Php5,000.00 or fractional part thereof in excess of Php5,000.00 an additional tax of Php20.00
b. On debt instrument or promissory note	Php1.50 on each Php200.00, or fraction part thereof on every original issue of debt instruments of 1 year. For less than 1 year, a proportional amount in accordance with the ratio of its term in number of days to 365 days. (R.A.10963)
3. Registration Fee	Based on amount of mortgage per schedule of fees.
4. Service Fee	2% per annum on principal outstanding in addition to contracted loan interest rate.
5. Penalty Charge	In case any note/amortization and/or interest becomes past due, a penalty charge of 2% per month shall be collected on the outstanding principal from date of default until full payment of the obligation.
6. Certification Fee	Php500.00 per Certification of Loan Credit Line and Certification of payment
7. Commitment Fee	1/4 of 1% of the Committed amount or Php2,500.00 whichever is higher.
8. Cancellation of Mortgage	Php500.00 for reissuance of Cancellation of Mortgage.

INWARD REMITTANCES

1. Credit to Peso Savings Account (S/A) or Current Account (C/A)

a. Doc. Stamps

Php0.60 for every Php200.00 or fraction thereof

b. Commission

Php250.00

2. Credit to U.S. Dollar Account

USD500	-	& BELOW	USD7.50
USD501	-	USD1,000	USD15.00
USD1,001	-	USD1,500	USD20.00
USD1,501	-	USD2,500	USD22.50
USD2,501	-	USD5,000	USD27.50
USD5,001	-	USD10,000	USD30.00
USD10,001	-	USD20,000	USD32.50
USD20,001	-	USD40,000	USD35.00
USD40,001	-	USD50,000	USD37.50
USD50,001	-	USD100,000	USD40.00
USD100,001	-	USD250,000	USD50.00
USD250,001	-	USD500,000	USD55.00
USD500,001	-	USD750,000	USD65.00
USD750,001	-	USD1,000,000	USD75.00
USD1,000,001	-	USD1,250,000	USD85.00
USD1,250,001	-	USD1,500,000	USD95.00
USD1,500,001	-	& ABOVE	0.00007

3. Via PDDTS payable to an account with another bank

the same as above

4. Proceeds in Peso Manager's Check (MC)

a. Doc. Stamps

Php0.60 for every Php200.00 or fraction thereof

b. Processing Fee

Php100.00

Rental of Safe Deposit Box
1. 2 x 5 x 24	Php 900.00
2. 3 x 5 x 21	Php 900.00
3. 3 x 10 x 24	Php 1,100.00
4. 5 x 5 x 21	Php 1,000.00
5. 5 x 10 x 24	Php 1,300.00
6. 5 x 10 x 21	Php 1,300.00
7. 10 x 10 x 21	Php 1,800.00
8. 10 x 10 x 24	Php 1,800.00
9. Key Deposit	Php 2,000.00

Application for SWIFT Transfer
a. Doc. Stamps	Php0.60 for every Php200.00 or fraction thereof
b. Cable Charge	USD35.00
c. Commission	1/2 of 1% of the Peso Equivalent at selling rate
d. Correspondent Bank Charge	USD25.00

U.S. DOLLAR TIME DEPOSIT
1. Minimum - Initial Deposit	USD1,000.00
2. Pretermination for Short Term TCD
a. No interest will be paid when preterminated within 7 days
b. Within the first half of the agreed term (at least more than 7 days)	25% of agreed interest rate
c. Within the second half of the agreed term	50% of agreed interest rate
3. Pretermination for Long Term TCD
a. No interest will be paid when preterminated within 30 days
b. An interest rate of 1% will be given based on the TCD's no. of days

Outward Bills for Collection - Domestic
1. Commission
a. Minimum	Php 100.00
b. Below Php 10,000.00	1/4 of 1% or (.0025) plus Php50.00 for postage
c. Php10,001.00 & above	1/8 of 1% or (.00125) plus Php50.00 for postage

Outward Remittances (withdrawal from U.S. Dollar Accounts)

1. SWIFT Transfer Charges

USD 35.00

Philippine Domestic Dollar Transfer Systems (PDDTS)
1. Inward
a. In U.S. DOLLARS	USD 4.00
b. Converted to PESO (end-of-day netting)
b.1. Commission	Php 250.00
b.2. Documentary Stamps	Php 0.60 for every Php 200.00 or fraction thereof
2. Outward
a. In U.S. DOLLARS	USD 12.50

Export Letters of Credit (LC)
1. Export LC Advising
a. Advising Fee
a.1. For CLIENT	No Charge
a.2. For NON - CLIENT	Php 1,200.00
2. Export LC Amendment
a. Amendment Fee
a.1. For CLIENT	No Charge
a.2. For NON - CLIENT	Php 900.00
3. Export LC Negotiations
a. Commission
a.1. Drafts Purchased in Transit (if paid in Pesos)	No Charge
b. Postage	Courier Service per Document, Php 1,000.00 minimum
c. Doc. Stamps	Php 0.60 for every Php 200.00 or fraction thereof
d. Cable Charge	Php 1000.00
4. Documentary Collections
a. Outgoing Bills (if paid in foreign currency)
a.1. Handling Fee in lieu of exchange	1/4 of 1% of draft amount
a.2. Courier Service	Php 1,000.00 minimum per document
a.3. Documentary Stamps	Php 0.60 for every Php 200.00 or fraction thereof
a.4. Cable Charge (if applicable)	Php 1000.00

Documentary Collections
1. Incoming Bills
a. Non-Trade
In U.S. Dollar Payment - Commission (Foreign and Domestic), Loans and Collection	1/4 of 1% of face amount minimum of Php 1,000.00
b. Trade
Documentary Bills and Open Accounts, DA, Offshore	- Cable Charge - Php 650.00 - Handling Charge - Php 1000.00

Import Letters of Credit (LC)
1. Documentary Stamps (Domestic and Foreign LC)	Php0.60 for every Php200.00 or fraction thereof
2. Import LC Openings
a. Commission
a.1. Sight, Usance Credit	1/4 of 1% first 60 days, 1/8 of 1% every 30 days thereafter minimum of Php1,000.00
a.2. Domestic LCs	the same as above
a.3. Cable Charges	Php2,000.00
3. Import LC Amendments
a.Commission
a.1. Increase in Amount of Credit	1/4 of 1% of increase in LC value amount minimum of Php1,000.00
a.2. Extension of Credit	Based on the outstanding balance, 1/8 of 1% per month minimum of Php 1,000.00
a.3. Other Amendments	Php 1,000.00
a.4. Cable Charges	Php 1,000.00
4. Import LC Negotiations	Php 1,000.00 if account is closed within 60 days from date of opening
I. Imports - LC
a. Sight Bills
a.1. Commission drawings against expired LC	1/8 of 1% of Principal/Value minimum of Php1,000.00
a.2. Doc. Stamps	Php0.60 for every Php200.00 or fraction thereof
a.3. Excess Drawings	1/4 of 1% of amount over and above LC value minimum of Php1,000.00
b. Usance Bills
b.1. Commitment Fee (Draft Drawn on Accountee)	1/4 of 1% every month, minimum of Php1,000.00
b.2. Domestic Bills	1/4 of 1% every month, minimum of Php1000.00
b.3. Handling Fee for Self-Funded Import Bill	1/4 of 1% of face value
b.4. Cable Charge	Php1,000.00
II. Inward Bills
a. Booking/Acceptance (DA,OA)
a.1. Handling Charge	Php1,000.00
b.2. Cable Charge	Php,1000.00
b. Negotiation/Remittance (DA,OA,DR,DP,AP)
b.1. Commission	1/4 of 1% of Principal/Value minimum of Php1,000.00
b.2. Cable Charge	Php1,000.00
b.3. Doc. Stamps	Php0.60 for every Php200.00 or Fraction thereof
III. Domestic Bills
a. Negotiation/Payment
Handling Charge	Php1,000.00
5. Trust Receipts	Interest at prevailing standard/current/approved/contracted/negotiated rate. Penalty for past due accounts at prevailing standard current rate of 2% per month or the approved/contracted/negotiated rate
Documentary Stamps	Php1.50 for every Php200.00 or fraction thereof of the principal amount of TR on original issue of 1 year. For less than 1 year, a proportional amount in accordance with the ratio of its term in number of days over 365 days.
6. Others
a. Shipside Bonds (SSB)
a.1. Commission	Php 500.00
a.2. Penalty	Php 500.00 per month after 30 days
a.3. Doc. Stamps	Php 3.00 per cancelled guaranty
b. Service of Customs Duties
b.1. For each entry (Final Duties)	Php 500.00
b.2. For Import Entry Declaration (IED)	Php 500.00
b.3. E2M PAS5 Enrollment	Php 100.00

Other Services
1. Application for Manager's Check (MC) and Gift Check (GC)		Php 50.00
2. Bank Certification Fee		Php 100.00
3. Request for Photo Copy		Php 5.00 per document/copy
4. Inter-branch Transactions (Intended for Philtrust Bank Provincial Branches)		Php 100.00
5. Interim Statement - Printout		Php20.00 per page
6. Printout of Historical statements	less than 5 years	First Three (3) pages Php100 succeeding pages Php20/page
Printout of Historical statements	more than 5 years up to 10 years	First Three (3) pages Php100 succeeding pages Php50/page
7. Current Account Printout of Historical statements with check images	less than 5 years	First Three (3) pages Php100 succeeding pages Php50/page
Current Account Printout of Historical statements with check images	more than 5 years up to 10 years	First Three (3) pages Php150 succeeding pages Php50/page
8. Digital Reproduction of Check	less than 5 years	Php50.00 per Document/Copy
Digital Reproduction of Check	More than 5 years up to 10 years	Php100.00 per Document/Copy
9. PCHC Certified true Copy of Check	up to 5 years only	Php100.00 per document/Copy plus maintenance cost Php1,200.00 for volume more than 20 copies

Domestic Remittance
1. SWIFT - Real Time Gross Settlement (RTGS)
a. Inward
a.1. Commission	Php200.00
b. Outward
b.1. Commission	Php150.00
b.2. Cable Charge	Php100.00
2. PESONET
a. Inward	No Charges
b. Outward	Php200.00
a.1. Commission	Php100.00
a.2. Cable Charge	Php100.00

U.S. Dollar Savings Accounts
1. Minimum - Initial Deposit
a. Cash	USD 500.00
2. Monthly Maintenance Charge
a. Active Accounts	No interest shall be paid if balance falls below the minimum monthly average daily balance of USD500.00 USD1.00 per month if balance falls below the minimum monthly average daily balance of USD500.00 for two (2) consecutive months.
b. Dormant Accounts	USD1.00 per month on dormant deposit accounts if balance falls below the minimum monthly average daily balance if inactive for five (5) years and upon prior notice. USD1.00 per month if balance falls below the minimum monthly average daily balance of USD500.00 No interest shall be paid for Dormant accounts
3. Charge on interbranch transactions for provincial branches	USD2.00
4. Replacement for lost passbook	USD5.00
5. U.S. Dollar notes deposited & withdrawn outright as cash (within 7 days from date of deposit)	No Charges
U.S. Dollar notes deposited & withdrawn outright as telegraphic transfer	1/2 of 1%
5.1 for crossborder - cable	USD35.00
5.2 for Gross settlement Real Time (GSRT)	USD12.50
5.3 In the form of other Foreign Currency	In the range of USD30.00 - USD40.00 depending on the Foreign Currency.
6. Closing of Account	USD5.00 if account is closed within 30 working days from date of opening.

Online Banking
a. On - Us Fund Transfer	None
b. Pesonet
.01 - 50,000.00	Php25.00
50,000.00 - 100,000.00	Php50.00
c. Instapay	Php15.00

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Fees and Charges