5 Tips To A Hassle-Free Bank Savings Account Application
Most of us already heard this — ”Do not put all your eggs in to one basket”.
Well, just recently I got an additional new home for my savings. This time, I’m putting my trust at BPI (Bank of the Philippine Islands).
Why BPI, you may ask?
1. EXPRESS PAYMENT SYSTEM (E.P.S.)
With BPI’s advanced banking technology, E.P.S. allows you to shop– without even touching the pesos in your pocket. That’s because when settling your bill at the counter, you can simply pay with your Express Teller Card at no extra charge!
For your utmost convenience, E.P.S., which is a built-in feature of your Express Teller Card, requires no enrollment. It is accepted in more than 10,000 establishments nationwide so there’s no need to take the extra step of going to the ATM to withdraw. Plus, with E.P.S., your transactions are recorded in your bank statement so you can trace your spending!
2. Very accessible and convenient banking hours and ATM stations.
BPI really have a lot of bank branches, ATM stations and extended banking hours in their mall stations. This fact is what really made BPI appealing to us, investors.
3. The BPI EXPRESS ONLINE availability.
Online transactions for me are now an essential pre-requisite for me to consider if it’s all worth it. Banking online, fund transfer, paying bills, oh please name it.
Now, if you’re also planning to open a new savings account at BPI or to any banks, then I hope the tips I’ll share below will help you to a convenient, easy and hassle-free application.
Below are the 5 Tips To A Hassle Free Bank Savings Account Application:
1. Define your Purpose.
Defining your purpose is very important for us to clearly define to ourselves why do we need to open a savings account. You can either save for personal or business purposes. It’s all up to us. What matters most is that we knew why are we doing this.
What happens if you don’t define your purpose? Well, there’s a large probability for us to lose on track. Also, this helps to avoid us becoming a spending puppet paying for an unnecessary expenditure.
2. Do a little or extensive research online.
We must be really grateful because most of the companies like financing institutions or banks already have websites giving us access to the information we need, online. At the convenience from our homes, we can now check the bank’s products and services that will help us determine what suits best for us.
Before I finally decided to choose BPI as my additional savings partner, I have to check out first other bank’s offers, products and services (those banks which I don’t have an account yet).
You can do research as little or as extensive as you want, as long as you are satisfied with the information you get.
3. List down your questions.
In the event that you still have questions or clarifications that information provided in the website isn’t enough, then you must list down those questions you ought to ask to a bank clerk on the next day you will be going to the branch.
You can list it down in a piece of paper or even in your mind (if you’re really that confident you won’t forget anything). In my case, I wrote it in a piece of paper. This step has indeed saved me, my and the clerk’s valuable time.
Also, don’t forget to include in your list this question: Will you please tell me anything else I need to know regarding the product and/or service I am about to avail?
4. Prepare in advance the requirements needed.
I think this is a protocol to any affiliations, company or anything that you are applying for. Preparing the requirements will save you both time and money. This will avoid any requirements to be missed or have forgotten, misplaced or lost.
5. Smile and relax.
Of course, we already knew that we won’t be the only customer on that particular bank. In fact, most of the time, most banks are really busy. So learning to smile and relax will help set a positive mood for us to win over any patience-challenge that we might encounter along the way.
Remember, it’s not about the things or events that happened to you that will cause you either pain or happiness. Then what? Well, it is how we react on those things and events. It’s a choice!
Okay, so that made up my 5 Hassle Free Tips to Opening a Savings Account. I hope this will help you too in the future.
You might want to add up your tips, please feel free to drop by your comments.
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