PNB Priority Checking Account
Get all your banking needs with one account that’s made to put you first. Enjoy the perks of a debit card, track your money with a passbook, and make payments easy with your own checkbook.
Why open a PNB Priority Checking Account
- ✓ Every account comes with a PNB PAL Mabuhay Miles Priority Mastercard, Checkbook and Passbook
- ✓ Earn interest while you save
- ✓ Use your card to pay online and offline to enjoy exciting perks and rewards
Get all your banking needs with one account that’s made to put you first. Enjoy the perks of a debit card, track your money with a passbook, and make payments easy with your own checkbook.
Why open a PNB Priority Checking Account
- ✓ Every account comes with a PNB PAL Mabuhay Miles Priority Mastercard, Checkbook and Passbook
- ✓ Earn interest while you save
- ✓ Use your card to pay online and offline to enjoy exciting perks and rewards
What are the requirements to open for a PNB Priority Checking Account
- 1 Valid ID (primary or secondary)
- Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
- Initial Deposit of PHP 25,000
*Branch may request for Proof of Billing for further validation
*May be required to be an existing PNB accountholder for at least 6 months
How to open a PNB Priority Checking Account
How to enroll your account to PNB Mobile Banking App
- Click Sign-Up in the login page on PNB Mobile Banking App
- Choose account type and input Debit Card Number and PIN
- Create your user ID and password
- Enter 6-digit One-Time PIN (OTP) sent via SMS
- Upon initial login, enter Online Activation Code (OAC) sent via e-mail
- Visit the nearest PNB branch
- Fill-out the Digital Banking Enrollment Form (Download here)
- Click Sign-Up in the login page on PNB Mobile Banking App
- Enter account details and SMS PIN sent by the branch
- Upon initial login, enter Online Activation Code (OAC) sent via e-mail
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Frequently Asked Questions
- What are valid IDs I can use to apply?
Primary ID:- PhilID/ ePhilID/ Digital National ID
- Valid Passport
- Driver’s License
- Unified Multi-Purpose ID
- SSS ID
- GSIS e-Card
- PRC ID
- IBP Lifetime Membership ID
- NBI Clearance
- Work Permit issued by DOLE for Foreign Nationals
- Digitized TIN Card
- Police Clearance
- Digitized Postal ID
- Voter’s ID
- Tax Identification Number Card
- Barangay Certification
- Senior Citizen Card
- MARINA Professional Identification Card
- OWWA ID
- OFW ID
- Seaman’s Book
- Alien Certification of Registration/Immigrant/Certificate of Registration
- Government Office and GOCC ID (e.g. AFP, HDMF IDs)
- Persons with Disability (PWD) Identification Card
- Certification from NCWDP
- DSWD Certification
- IBP ID
- PhilHealth ID Health Insurance Card ng Bayan
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
- Passport WITH ACR issued by Bureau of Immigration; and
- Any of the following IDs issued by their country of origin or by the Republic of the Philippines:
- National ID
- Internal Revenue Service (IRS) ID
- SSN ID
- Driver’s License
- Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
- Company ID issued by private entities registered with or supervised or regulated either by BSP, SEC, or IC
* PNB may require additional IDs or documents for further verification.
- How much should I deposit?
- There is no client-initiated transaction in the last 5 years and;
- The balance falls below the required minimum maintaining balance.
- Is there a maintaining balance for this account?
- The minimum maintaining balance for Priority Checking Account is PHP 25,000.
- Will I be charged for going below the maintaining balance?
- If the Average Daily Balance (ADB) of your Priority Checking Account falls below the required minimum monthly ADB for at least two (2) consecutive months, it will be charged PHP 350.00 per month until your account reaches the ADB requirement.
- How do I get my debit card?
- Your PNB Mabuhay Miles Debit Mastercard shall be available for pick up at your PNB Branch of choice where you opened the account. Find the nearest PNB Branch now.
- Your PNB Mabuhay Miles Debit Mastercard shall be available for pick up at your PNB Branch of choice where you opened the account. Find the nearest PNB Branch now.
- When do I get my debit card?
- Your PNB PAL Mabuhay Miles Priority Mastercard will be available for pick up at your PNB Branch of choice where you opened the account after 7-10 banking days from the date of account opening.
- How many checkbooks can I get?
- Upon account opening, an initial checkbook will be given to you. Kindly coordinate with your maintaining branch for succeeding checkbook requests.
- When and how do I get my checkbook?
- Your initial checkbook will be released by your PNB Branch of choice where you opened the account right after your account is opened.
- Are there fees for not using the checkbook?
- There is no fee for not using your checkbook.
- When and how do I get my passbook?
- Your initial passbook will be released by your PNB Branch of choice where you opened the account right after your account is opened.
- Up to how many passbooks can I have?
- Upon account opening, only one passbook will be given to you by your PNB branch of choice. Kindly coordinate with your maintaining branch for succeeding passbook requests.
- Is there a fee to get a passbook?
- None, passbook is free upon opening of account. Fully filled up passbook is replaced for free.
- Is there a fee when I close my account within one month of account opening?
- Early Closure Fee – applicable to accounts closed within 30 days from account opening is Php 500.00.
| Initial Deposit | PHP 25,000.00 |
| Minimum Maintaining Balance | PHP 25,000.00 |
| Minimum ADB to Earn Interest | PHP 25,000.00 |
| Interest Rate | 0.100% p.a. |
| Checkbook Cost | PHP 250.00 |
| Dormancy | 1 Year |
| Dormancy Fee* | Php 30.00 per month |
*Dormancy fee shall be collected when:
- What is a PNB PAL Mabuhay Miles Priority Mastercard?
PNB PAL Mabuhay Miles Priority Mastercard features and benefits are as follows: - Earn points which can be redeemed for Mabuhay Miles when you shop at select merchant categories
- Enjoy a 1,000 Mabuhay Miles welcome gift when you purchase from Philippine Airlines (PAL) within 3 months from card issuance
- Withdraw at any BancNet ATMs in the Philippines
- Accepted internationally at Mastercard and Maestro-affiliated shops and ATMs
- Use for online transactions for ease and convenience
- Tap to pay on any Mastercard contactless-enabled POS machines
- How do I use my card to purchase online?
- To use your PNB PAL Mabuhay Miles Priority Mastercard for online purchases, simply input the card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online shops that you visit to avoid fraudulent transactions.
- Are there local transaction charges?
- Local transaction charges are as follows:
- Can I use my card to pay online?
- To use your PNB PAL Mabuhay Miles Priority Mastercard for online payments, simply input the card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online payment sites that you visit to avoid fraudulent transactions.
- Are there international transaction charges?
- International transaction charges are as follows:
- Can I withdraw my money abroad?
- Yes, you may withdraw your money abroad at any Mastercard and Maestro-affiliated shops and ATMs.
- How do I get OTP for my transactions?
- Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB PAL Mabuhay Miles Priority Mastercard. Kindly ensure that your contact details are updated by visiting any PNB Branch. Only your registered mobile number will receive an OTP.
- Are there fees for OTP transactions?
- OTP transactions are free of charge. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.
- What to do when I don’t get an OTP for transactions?
- Expect to receive the OTP via SMS within five (5) minutes. If you do not receive the OTP, you may click the “Regenerate OTP” button to get a new one.
| Withdrawal on PNB ATM | None |
| Inquiry on PNB ATM | None |
| Withdrawal on Other Bank’s ATM | Dictated by Acquiring Bank / ATM Owner |
| Inquiry on Other Bank’s ATM | Dictated by Acquiring Bank / ATM Owner |
| BancNet POS | None |
| Fund Transfer to Other Banks through BancNet (IBFT) | PHP 25.00 |
| Withdrawal | PHP 150.00 |
| Inquiry | PHP 75.00 |
* All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. The amount converted may include other fees imposed by Mastercard and/or the acquiring bank.
- How do I report a lost/stolen debit card?
- In case of lost / stolen card, immediately report to the Maintaining Branch or Customer Care. You may call (632) 8573-8888 or email customercare@pnb.com.ph.
- Is there a fee for debit card replacement?
- Yes, card replacement is charged PHP 200.00
- How do I report a lost/stolen checkbook?
- You may contact PNB Customer Care immediately at (632) 8573-8888 or visit your nearest PNB Branch to report the lost/stolen checkbook.
- Is there a fee for checkbook replacement?
- Yes, checkbook replacement is charged PHP 250.00
- How do I report a lost/stolen passbook?
- In case of lost / stolen passbook, immediately report to the Maintaining Branch or Customer Care. You may call (632) 8573-8888 or email customercare@pnb.com.ph. You may only have your lost passbook replaced at your Maintaining Branch.
- Is there a fee for passbook replacement?
- For lost passbook, replacement fee is PHP 200.00. Fully filled up passbook will be replaced for free.
