I had a chance to get my own checking account when I filed a personal loan in a local bank here in our city sometime in 2005. They were very strict because the amount involved is a little huge. One of the requirements is for the loan applicant to open a checking account. I complied and issued my payments for twenty-four months by issuing the checks with their corresponding amounts written. The advantage with having your own account is that even when you have no cash available for the time being, you can still do the payments by merely issuing your own check.
My mother asked me a favor if she could just share with the account I had because she decided to close her checking account in the other bank. When I completed my payment for the loan, and that particular bank we were having our transactions with had a merger with another bank, our Checking Accounts were transferred. But my mother forgot that it was originally mine. Now I do not have my own and is freed from the fear of estafa charges for bouncing checks, wink!
General Santos Time
2 Comments
August 8th, 2008 at 9:34 am
Ellaine,
May checking account ka na ha. Rich ka pala ate. Ako until now walang checking account dahil wala akong sapat na salapi. Bwahahaha!
[Reply]
August 8th, 2008 at 9:43 am
@ JESSIE:
Kuya, napilitan nga akong kumuna non before kasi nga dapat mag-iissue ng tseke para sa uutangin kong pera sa banko, sigurista ang bangko eh. Pag tumalbog ang tseke na in-issue mo, siempre may habol sila sayo. Sa PS Bank ako nag-loan non tapos ung checking account ko United Overseas Bank. Kaso nakipagmerge sa BDO na ngayon ay PCI_Equitable na. Nong bayad na ako, at lumipat na sa BDO< di man lang sinabi ng Nanay ko na nilipat nya na yong account namin don, di na naisama ang pangalan ko. Kaya wala na yong checking account na yon ngayon. Pero OK na rin, it has served its purpose naman, hehe!
[Reply]