Security Bank maintaining balance: every account and the ₱300 fee

Security Bank’s maintaining balance is ₱3,000 for Easy Savings and ₱10,000 for All Access and Money Builder.

Short answer Security Bank asks for an average daily balance (ADB) of ₱3,000 on Easy Savings, ₱10,000 on All Access and Money Builder, US$500 on USD Savings and none on GoalSetter. Below that for two months in a row, a peso savings account pays ₱300 a month and All Access ₱500.

By zpeso Desk · Security Bank pages checked October 27, 2026.

At a glance

• Easy Savings₱3,000 ADB, effective May 1, 2026Source ↗ · checked 2026-10-27
• All Access₱10,000 ADB, starting July 31, 2026Source ↗ · checked 2026-10-27
• Money Builder₱10,000Source ↗ · checked 2026-10-27
• GoalSetter₱0, effective September 30, 2026Source ↗ · checked 2026-10-27
• USD SavingsUS$500Source ↗ · checked 2026-10-27
• Below-minimum fee₱300 a month (peso savings), ₱500 (All Access), US$10 (dollar savings), after two consecutive monthsSource ↗ · checked 2026-10-27

Maintaining balance by account

Security Bank’s deposit-funding guide lists the minimum balance of each main account:

Meeting the maintaining balance avoids the fee but does not earn interest on its own. Easy Savings and All Access earn their 0.05% a year only on an ADB of ₱100,000 and above. GoalSetter pays 0.5% to 3.0% a year depending on the balance kept, and its over-the-counter deposits cost ₱100 each. On All Access, the first checkbook is free when you open and fund the account with ₱25,000 on the same day.

Fees when the balance stays below the minimum

The fee applies to active and dormant accounts alike. Closing an account within 30 days of opening costs ₱500 on a peso savings account and US$15 on a dollar savings account. Security Bank’s terms add that an account left at zero because of service charges may be closed without notice.

How Security Bank computes your ADB

Security Bank’s terms set the formula: add the ending balance of every day in the month and divide by the number of days (30 or 31). Keeping ₱6,000 for 15 days and ₱0 for the other 15 days of a 30-day month gives an ADB of ₱3,000, exactly the Easy Savings minimum. A big deposit on the last day of the month raises the ADB only by its share of one day.

Source: Security Bank deposit terms and conditions ↗ · checked 2026-10-27

Payroll accounts

Under the terms in effect from September 25, 2026, a payroll account with no payroll credit for 60 days can receive only payroll credits. After 90 days without a payroll credit it is tagged as an inactive payroll account and must meet the maintaining balance of a non-payroll account. Security Bank announced the change in its banking advisory of July 30, 2026.

Source: Security Bank deposit terms and conditions ↗ and banking advisory ↗ · checked 2026-10-27

Dormant accounts

A savings account with no deposit, withdrawal or encashment for two years becomes dormant; a checking account after one year. A dormant account earns no interest, still pays the below-minimum fee if it falls under the ADB, and from the 61st month pays a dormancy charge of ₱30 a month. After ten years of dormancy the balance is escheated to the National Treasury under the Unclaimed Balance Law (Republic Act No. 3936, as amended by Presidential Decree No. 679), as Security Bank’s fee page notes. The BSP rules behind these steps are on dormant account in the Philippines.

Source: Security Bank Fees and Charges ↗ and terms and conditions ↗ · checked 2026-10-27

Tip To reactivate a dormant account, Security Bank asks individual clients to visit the branch that holds the account with two valid IDs (two primary, or one primary and one secondary) and the passbook if the account has one.