Table of Contents

I. Introduction
Application and Account
II.
Maintenance
III. Security
Balance Inquiry and Transaction
IV.
History
V. Fund Transfer
VI. Wire Transfer
VII. Pay Bills
VIII. BDO Cash Card Reload
IX. Prepaid Mobile Reload
X. Checkbook Reorder
XI. Stop Payment Order
XII. Call Center Banking
XIII. Others
XIV.EPCI E-Banking Migration

I. Introduction

1. What is myBDO Internet Banking?

2. What is BDO Phonebanking?
3. Is myBDO Internet Banking accessible outside the Philippines?
4. Is BDO Phonebanking accessible outside Metro Manila or the Philippines?
5. What is International Access Code (IAC)?
6. What are the system requirements necessary to access myBDO Internet Banking Services?

1. What is myBDO Internet Banking?

myBDO Internet is banking through the convenience and privacy of your

Internet-enabled computers. You can perform the following transactions
with myBDO Internet Banking:

• Access your accounts 24 hours a day and 7 days a week

• Check your account balances and inquire on last 3 months transactions
• Transfer funds to any BDO accounts
• Pay your bills
• Reload BDO Cash Cards
• Reload Prepaid Mobile Phones
• Perform Stop Payment on issued checks
• Reorder Checkbooks
• Request a Wire Transfer (Local or International Telegraphic Transfers)

2. What is BDO Phonebanking?

 BDO Phonebanking allows you to perform banking functions through any
touchtone telephone. You can perform the following transactions with BDO
Phonebanking:

• Access your accounts 24 hours a day and 7 days a week

• Check your account balances and last 3 transactions
• Transfer funds to any BDO accounts
• Pay your bills
• Reload BDO Cash Cards
• Reload Prepaid Mobile Phones
• Reorder Checkbooks
• Inquire Foreign Exchange Rates and product information

3. Is myBDO Internet Banking accessible outside the Philippines?

Yes. Once enrolled to myBDO Internet Banking, you may access your
accounts and perform transactions anywhere in the world through the
Internet.

4. Is BDO Phonebanking accessible outside Metro Manila or the Philippines?

Yes. You may access BDO Phonebanking by dialing the following toll-free
nos.:

Domestic Toll-Free
1-800-10-631-8000
No. :
International Toll-Free
Int. Access Code (IAC)- 800-8-631-8000
No.:

Call Banco de Oro from abroad with our International Toll-Free Nos.:

COUNTRY TOLL FREE NO.

GREECE 00800-6312-0018
GUAM 800-0630-0021
SAUDI
800-863-0011
ARABIA
ITALY 800-872-390
UAE 800-0630-0021

Or dial (IAC)+800-8-6318000.

5. What is International Access Code (IAC)?

IAC is the access no. required to be connected to the International Toll-Free

No. of BDO Phonebanking, (IAC)+800-8-631-8000. The required access
no. depends on the country where you are at. Listed below are the IAC
 Nos.:

International Telephone
COUNTRY IAC
Companies
1. AUSTRALIA OPTUS 0011
TELESTRA
2. AUSTRIA TELECOM AUSTRIA 00
3. BELGIUM BELGIUM 00
4. BRAZIL EMBRATEL 0021
5. CANADA TELEGLOBE 011
6. CYPRUS CYTA 00
7. FINLAND SONERA 00
8. FRANCE FRANCE TELECOM 00
9. GERMANY DTAG 00
10. HAWAII GTE HAWAIIAN TEL. 011
CO.
11. HONGKONG REACH 001
12. IRELAND TELECOM EIRCOM 00
13. ISRAEL BEZEQ 00
14. ITALY TELECOM ITALIA 00
15. JAPAN JAPAN TELECOM 010
KDD
NTT
16. KOREA KOREA TELECOM 001
17. MALAYSIA TELECOM MALAYSIA 00
18. NETHERLANDS KPN INTL 00
19. NEW ZEALAND TNZL 00
20. NORWAY TELENOR 00
21. SINGAPORE SINGTEL 001
22. SPAIN TELEFONICA 00
23. SWITZERLAND SWISSCOM 00
24. THAILAND CAT 001
25. TAIWAN CHUNGWA TELECOM 00
26. UK BT 00
C&W
27. USA AT&T 011
MCI
SPRINT

6. What are the system requirements necessary to access myBDO Internet

 Banking Services?

1) A computer with:

Browser : Internet explorer ver.6 or higher

Resolution on 1020 x 768
Processor : Pentium PC or higher processor
RAM : min 64MB; preferably 128 MB
Modem: Min. of 28.8 kbps in speed; Preferably 56 kbps

Monitor : SVGA or higher with 1024x768 screen resolution, 16-

bit high color video monitor display for best view
Operating
Windows 95/ 98/ ME/ NT/ 2000 XP
System :

II. Application and Account Maintenance

1. Who can apply for myBDO Internet Banking and BDO Phonebanking?
2. How do I apply for myBDO Internet Banking and BDO Phonebanking?
3. What types of accounts are accessible through myBDO Internet Banking and BDO
Phonebanking?
4. Is there a minimum balance required to apply for myBDO Internet Banking and BDO
Phonebanking?
5. When can I start using myBDO Internet Banking and BDO Phonebanking?
6. How do I add my Banco de Oro accounts that are not yet enrolled in myBDO Internet Banking
and BDO Phonebanking?

1. Who can apply for myBDO Internet Banking and BDO Phonebanking?

BDO clients, at least 13 years old, with Individual or Joint OR with any of
the following Individual or Joint OR accounts may enroll:

• Savings Account
• Current Account
• Time Deposits
• Personalized BDO Cash Card
• BDO Consumer Loans

Note that Personalized BDO Cash Card can only be enrolled if you have
other available accounts for enrollment

2. How do I apply for myBDO Internet Banking and BDO Phonebanking?

 Individual account holders have several means of enrolling in myBDO
Internet Banking and BDO Phonebanking.

• Online Enrollment

a. Visit https://www.mybdo.com.ph
b. Complete the Online Enrollment Form
c. Submit Online Enrollment Form to Banco de Oro by clicking the
"Submit to Bank" button.
d. Print enrollment form, SIGN and submit to any BDO branch or
send to:

Banco de Oro
c/o EBU, Transaction Banking Group
Ground Floor, Benguet Center,
12 ADB Ave., Ortigas Center, Mandaluyong City

Note: You must send your signed enrollment form w/in 10 days

• Branch Enrollment

a. Visit any BDO branch.

b. Fill up BDO Electronic banking Enrollment Form
c. Nominate your User ID and Password, Phonebanking ID and
Telephone PIN, Challenge Answer
and Question

What types of accounts are accessible through myBDO Internet Banking

3.
and BDO Phonebanking?

You can access the following types of accounts from myBDO Internet
Banking and BDO Phonebanking:

• Savings Account (Peso/US Dollar)

• Current Account
• Time Deposits (Peso/US Dollar)
• BDO Cash Card
• BDO Auto, Housing and Personal Loans Accounts (accessible only
via myBDO Internet Banking)
• BDO Credit Cards
• Trust Accounts

Is there a minimum balance required to apply for myBDO Internet Banking

4.
and BDO Phonebanking?

There are no minimum balances requirements to enroll and use myBDO

Internet Banking and BDO Phonebanking but minimum balance
 requirements for specific products still apply.

5. When can I start using myBDO Internet Banking and BDO Phonebanking?

You may start using BDO Electronic Channels three (3) days after
enrollment. For online enrollment, the 3 day turn around time starts when
BDO receives your Signed Online Enrollment form.

For myBDO Internet Banking enrollees, we shall notify you via email once
your enrollment has been processed by Banco de Oro. You can also view
your application status online by logging in as User with Pending
Application in www.mybdo.com.ph.

6. How do I add my Banco de Oro accounts that are not yet enrolled in
myBDO Internet Banking and BDO Phonebanking?

You may enroll all the accounts you want to access in myBDO Internet
Banking and BDO Phonebanking through any of the following methods:

a. Log-in to myBDO Internet Banking and enroll your accounts under My

Profile/Add Accounts.

b. Visit your preferred branch and complete the BDO Electronic Banking
Enrollment/Update Form

III. Security

1. What type of Internet security do you provide your customers?

2. What precautions should I take to ensure the confidentiality of my accounts and personal
information when using myBDO Internet Banking?
3. How do I ensure the security of my BDO Phonebanking sessions?
4. What should I do in case I suspect a Password /Telephone PIN breach or unauthorized
transactions on my accounts?
5. What should I do in case I forgot myBDO Internet Banking Password and BDO Phonebanking
Telephone PIN?
6. How do I create a password that is difficult to guess but easy to remember?
7. What is 'phishing' and how do I protect my account from it?
8. 8.What is 'web spoofing' and how do I protect my account from it?

1. What type of Internet security do you provide your customers?

Using the current security technologies and processes, Banco de Oro assures
its clients of the confidentiality and privacy of their online banking sessions.
 myBDO Internet Banking security uses:

• Authentication

Authentication ensures that only authorized users can access the

myBDO Internet Banking system by verifying the identity of the
user. This is enforced through the use of a User Name and Password.

• Network Security

Banco de Oro uses a firewall to protect its Internet banking servers

from unauthorized Internet access. A firewall is a combination of
systems that enforces a boundary between the Internet and the
bank's network, while blocking out all unwanted access.

• Encryption

Encryption converts data on the system to a format that is

unreadable by anyone who does not have the proper authorization.
Currently, myBDO Internet Banking uses 128-bit Secure Sockets
Layer (SSL) to secure all banking transactions. 128-bit encryption
means that there are 2128 - or 3.4 with 38 zeros after it - possible
combinations that could access your account information but only
one that works for each online banking session.

• Automatic Log-out

myBDO Internet Banking automatically logs you out of the system

if it detects no user activity for a fixed number of minutes. This
protects your accounts from being accessed by the next PC user,
especially when using a public or shared computer.

2. What precautions should I take to ensure the confidentiality of my accounts

and personal information when using myBDO Internet Banking?

• Never disclose your password to anyone , even to someone

claiming to be from Banco de Oro. Banco de Oro will never ask for
your Password/PIN. Be responsible in keeping your password
confidential.

• Keep your password safe. Your password authenticates you when

you begin your Internet banking session. You should memorize your
password and avoid writing it down.

• Create/nominate password that is difficult to guess but easy to

remember. Avoid using birthdates and other personal information
easily associated with you.

• Change your password regularly. You can easily change your

 password when you begin your Internet banking session.

• Remember log out before you leave your computer. Logging out
assures you that no one can access your accounts after you have
finished your Internet banking session. This is very important when
you are using a shared or public computer.

• Keep your operating system and browser software updated with

patches for the latest security vulnerabilities. Many viruses,
trojans and spyware exploit the vulnerabilities of software to steal
information.

• Use your browser's security features. Most browsers have security

settings and options that protect the privacy of your accounts. Refer
to your browser's help on how you can maximize your browser's
security.

• Avoid using shared or public computers to access your accounts.

Shared or public computers may have been installed with tracking
software that could monitor your Internet banking sessions.

• Avoid using Beta-browsers. Beta-browsers are browsers still in the

process of testing and may contain security vulnerabilities. We
suggest the use of the browser's final release versions.

3. How do I ensure the security of my BDO Phonebanking sessions?

• Never disclose your Telephone PIN to anyone, even to someone

claiming to be from Banco de Oro. Banco de Oro will never ask for
your password/PIN. Be responsible in keeping your password/PIN
confidential.

• Keep your Telephone PIN safe. Your password authenticates you

when you begin your telephone banking session. You should
memorize your password and avoid writing it down. If you should
have a physical copy, keep it in a secure place.

• Wait for the phone banking session to end before putting the
phone down. Although it is possible but unlikely that your phone
has been tapped, waiting for the session to end before hanging up
reduces the risk of unauthorized access to your phone banking
session. A wiretapper using a recorder cannot be thwarted by this
precaution.

What should I do in case I suspect a Password /Telephone PIN breach or

4.
unauthorized transactions on my accounts?
 Change your myBDO Internet Banking Password/Phonebanking
•
Telephone PIN online.

• Change your BDO Phonebanking Telephone PIN via Phonebanking.

• Call BDO Call Center and request a Password/PIN reset

What should I do in case I forgot my myBDO Internet Banking Password

5.
and BDO Phonebanking Telephone PIN?

For forgotten myBDO Internet Banking Password and Telephone PIN, you
may:

• Nominate a new Password and Telephone PIN via www.mybdo.com.ph.

"Forgot Password" or "Forgot Telephone PIN" module is available
in the Log-in Page. For security reasons, you can only nominate a
new Password or Telephone PIN upon providing correct data to the
personal and Enrollment details asked during your online request.
Note that this facility is only available for myBDO Internet Banking
enrollees only; or,

• Request for a new Password or Telephone PIN via BDO Call

Center. Our Call Center Officers can reset the password for you.
Please log in immediately after your request to change and secure
your password.

For forgotten BDO Phonebanking Telephone PIN, you may

request/nominate new Telephone PIN via BDO Call Center.

6. How do I create a password that is difficult to guess but easy to remember?

While we leave the choice of password entirely to the user, you may find
the following guidelines useful in creating 'difficult to guess' but 'easy to
remember' passwords:

a. Avoid words in the English dictionary.

b. Avoid using personal information such as names and birthdates of

family members, telephone numbers.

c. Never use sequential numbers (“123456”) or letters (“abcdef”) or a

combination of sequential numbers and letters (“jkl987”).
 d. Use a combination of upper case letters, lower case letters, numbers
and special characters that appear random to others but have a lot of
meaning to you.

Hint: You can use a phrase or keywords containing personal

expressions, a line in a movie, song, book, etc. that you can easily
remember and then transform the phrase into something not easily
recognizable. For example, “Labs ko ‘to, BDO!” may translate to
“Lk2BDO!” (by getting all first letters, using some capital and lower
case letters, adding a number ala-SMS/text and using a punctuation
mark for added complexity).

The above example has all the elements of a difficult-to-guess but

easy-to-remember password:

• no dictionary words

• no personal info

• not predictable

• long enough (7 characters, the minimum is 6)

• adds complexity by using a combination of upper and lower

case letters, numbers and special characters.

• easy to remember because you know the phrase where it was

derived from, but those who don’t know the phrase would
have a hard time remembering the password

GOOD Example of Passwords

Keywords Password Good Points
Keywords “Who ya Wygc?GB! • Appears random
gonna call? Ghost • Easy to remember
Busters!” • Combines 3 of ff. 4
categories:
• Combines 3 of ff. 4
categories:
• Upper case letters
• Lower case letters
• Numbers
• Special characters
• No dictionary words
• No personal info
• Not predictable
• Longer than the
minimum length of 6
characters
 “The Lord is my TLimS,Isnw
Shephered, I shall not -DO-
want”
“It is 10 degrees Ii10dciBtiM.
colder in Baguio than -DO-
in Manila.”
“John’s birthday is on JbioJ24
-DO-
June 24”

BAD Example of Passwords

Keywords Password Bad Points
Keywords “Who ya wygcgb Uses only lower case
gonna call? Ghost letters, no combination of
Busters!” upper case, numbers or
punctuation
None apple456 Dictionary word and
sequential numbers
“July 15, 2004” 071504 Uses only numbers, no
combination of upper
/lower case letters or
punctuation
none qwertyuiop Sequential characters on
the keyboard
Son’s name and john062497
Personal info
birthdate

7. What is 'phishing' and how do I protect my account from it?

'Phishing' is a common exploit used to collect information from Internet

users. An email is sent out purportedly to address some system problem or
similar scenario of some urgency and requiring immediate attention.

Customers would be requested to provide information such as passwords,

account numbers, credit card numbers, etc.

Do not respond to these emails nor go to the links provided, if any. Banco
de Oro Universal Bank will never use email as a means to obtain
information from customers. If you encounter a similar incident, please
report it immediately to the address below for investigation.

8. What is 'web spoofing' and how do I protect my account from it?

'Web spoofing' is another common exploit used to collect information from
Internet users. A website that looks very much like myBDO Internet
Banking site is displayed. The URL may even be the same
(www.mybdo.com.ph). The only difference may be found on the Verisign
certificate and/or the “http” protocol being used.

Before logging in and providing your username and password, make it a

habit to click on the Verisign Secure Site logo that appears on the Log-in
page. If the display matches the information below, then the website
belongs to Banco de Oro Universal Bank and you may proceed to log in and
submit account information.

Name WWW.MYBDO.COM.PH
Status Valid
Validity Period 25-APR-06 - 25-APR-07
Country = PH
State = Metro Manila
Locality = Mandaluyong
Organization = Banco de Oro Universal Bank
Organizational Unit = DBA
Organizational Unit =
Server ID
www.mysecuresign.com/RPA Incorp. by
Information
Ref.,LIAB.LTD(c)98
Organizational Unit = Authenticated by
mySecureSign, Inc.
Organizational Unit = Member, VeriSign Trust
Network
Common Name = www.mybdo.com.ph

To further assure you that data cannot be read by unauthorized parties,

always verify that the URL displayed is preceded by “https://” and not just
“http://”. The 's' is “https” indicates that data are encrypted in transit
between your browser and the bank's server. In some browsers, a small
“closed” padlock icon appears at the bottom of your screen if you are on
“https” (secure mode); an “open” padlock appears if you are on “http://”
(insecure mode).

If you do not get the same information on the Verisign certificate or the
website is not in “https://” (secure mode), please report the incident
immediately to the address below for investigation.

CONTACT INFORMATION

BDO Call Center

Metro Manila: 631-8000
Domestic Toll-Free No. - 1-800-10-631-8000
International Toll-Free No: Int. Access Code(IAC)-800-8-631-8000
IV. Balance Inquiry and Transaction History

1. How often are my balances updated?

2. Can I get my transaction history through myBDO Internet Banking and BDO Phonebanking
Services?

1. How often are my balances updated?

For Savings, Current Account and BDO Cash Card your available balance is
real-time and will change throughout the day based on your activities.

For Time Deposit and Consumer Loan Accounts, balances are based on the
previous day's balances.

Can I get my transaction history through myBDO Internet Banking and

2.
BDO Phonebanking Services?

Transaction History is available for enrolled Savings and Current Accounts

only.

For myBDO Internet Banking, you can access your current day transactions
and up to 90 days of your transaction history.

For BDO Phonebanking, you may retrieve your last three debits and credits
via Account Information.

V. Fund Transfer

1. What is a fund transfer?

2. How do I get started with myBDO Internet Banking and BDO Phonebanking Fund Transfer?
3. Is Inter-Currency Fund Transfer available in myBDO Internet Banking and BDO Phonebanking?
4. Is there a limit to the amount I can transfer through myBDO Internet Banking and BDO
Phonebanking?
5. What are my schedule options in transferring funds?
6. Can I cancel Post-dated and Recurring Fund transfer Requests?
7. What is the cut-off time for fund transfer transactions?
8. Can I change transfer amounts for scheduled Fund Transfers?
9. What happens if I don't have enough money in my deposit account to transfer funds?
10. How can I prove that transfers are made?
11. Is there a service fee for MyBDO Internet Banking and BDO Phonebanking Fund Transfers?
1. What is a fund transfer?

A fund transfer is a transfer between your own enrolled accounts (Savings

and Current Accounts, and BDO Cash Card) to any BDO Savings and
Current Accounts. However, transferring fund to Third Party accounts
requires an enrollment.

Time deposit and Consumer Loan accounts cannot be used as a source or

destination accounts for fund transfers.

How do I get started with myBDO Internet Banking and BDO

2.
Phonebanking Fund Transfer?

You must first enroll your accounts with myBDO Internet Banking and
BDO Phonebanking. Your own accounts will automatically be available as
Source (Current and Savings Accounts and BDO Cash Card) and
Destination Accounts (Current and Savings Accounts only).

To transfer funds to Third Party Accounts, you must indicate the accounts
nos. during enrollment under Third Party Fund Transfer Enrollment or
through any of the following methods:

• Log-in to myBDO Internet Banking and enroll your accounts under

My Profile/Third Party Account/Add Third Party Accounts.

• Visit your preferred branch and complete an BDO Electronic

Banking Enrollment/Update Form, or

Note that you may enroll up to 20 3rd Party Accounts. Enrollment of Third
Party Accounts requires approval of Electronic Banking Unit before you can
request transfer to these accounts.

Is Inter-Currency Fund Transfer available in myBDO Internet Banking and

3.
BDO Phonebanking?

No. You can only transfer fund between Peso to Peso Accounts or US
Dollar to US Dollar Accounts only. Inter-Currency Fund Transfers is not
supported by the systems.

Is there a limit to the amount I can transfer through myBDO Internet

4.
Banking and BDO Phonebanking?
 You may transfer funds up to your available balance.

5. What are my schedule options in transferring funds?

You may transfer funds immediately for myBDO Internet Baking and BDO
Phonebanking. For myBDO Internet Banking enrollees, you may also
request for Post-dated or Recurring transfers.

For immediate transfers, your fund transfer requests are processed

immediately upon execution. Your balance will reflect the transactions
correspondingly.

For Post-dated transfers, you may specify transfer date during your request.
Request for scheduled transfer should be at least one day prior to the
scheduled date.

For Recurring Transfers, you can schedule monthly transfers to a specific

account for the next months or years. When requesting for a Recurring Fund
Transfers, you must specify start date and end-date of per request. Request
for scheduled transfer should be at least one day prior to the start date.

Post-dated and Recurring Fund Transfers are processed at 7:30pm on the

scheduled date.

6. Can I cancel Post-dated and Recurring Fund transfer Requests?

Yes. You may cancel scheduled requests on or before 7:30pm on the

scheduled date via myBDO Internet Banking under My Financial
Cervices/Fund Transfer/View/Edit/Delete Fund Transfer Request/s.

7. What is the cut-off time for fund transfer transactions?

The cut-off time for Fund Transfer is 9:30pm. All transactions made after
the cut-off time and during week-ends and holidays are subject to
verification and will be considered transactions for the next banking day.

8. Can I change transfer amounts for scheduled Fund Transfers?

Yes. You can change Fund Transfer amounts online via myBDO Internet
Banking under My Financial Services/Fund Transfer/View/Edit/Delete
Fund Transfer Request/s on or before the 7:30 processing time of on the
scheduled date.
 What happens if I don't have enough money in my deposit account to
9.
transfer funds?

Your transfer will be rejected if you have insufficient funds in your account
balance to cover the transfer. The system will display or voice out a
message that the source account balance is not sufficient for the transaction.

For Post-date and recurring transactions, you may view the status of your
scheduled Fund Transfer transactions via myBDO Internet Banking under
My Financial Services/Fund Transfer/View Fund Transfer Status.

10. How can I prove that transfers are made?

You will be given a Transaction Reference Number after every transaction

to identify the transfer transaction. For Fund Transfers made via myBDO
Internet Banking, a confirmation screen is displayed after every successful
payment transaction, which can be printed for reference. In addition, the
transfers made will appear on your Account Details screen so you can see
when they were posted.

Is there a service fee for myBDO Internet Banking and BDO Phonebanking
11.
Fund Transfers?

Our fund transfer service is free of charge.

VI. Wire Transfers

1. What is a wire transfer request?

2. When will my wire transfer requests be processed?
3. How will I know that my wire transfer requests have been completed?
4. Is there a limit to the amount I can transfer?
5. Is there a service charge fee for wire transfer requests?
6. When will my account be debited for the Wire Transfer charges?
7. What happens if I don't have enough money in my deposit account to cover Wire Transfer
Request?

1. What is a wire transfer request?

A Wire Transfer request is a service request that permits the transfer of US

Dollar funds from your Banco De Oro US Dollar Savings Accounts to
 accounts in local and offshore banks. This transaction only requests the
Wire Transfer. The actual transfer of funds must be processed by Banco de
Oro personnel and the beneficiary bank receiving the wire transfer.

Wire transfer is available only via myBDO Internet Banking.

2. When will my wire transfer requests be processed?

The cut-off time for wire transfer requests is at 12:00 NN on weekdays.

Wire transfer requests that are received before the cut-off time will be
processed immediately by our Banco De Oro personnel. The requests will
then be forwarded to their corresponding beneficiary banks for the actual
transfer of funds.

Wire transfer requests made after cut-off time, on weekends and holidays
will be processed on the next banking day.

NOTE: On the average, it takes 2-3 banking days to complete a wire

transfer request from the time it is sent.

3. How will I know that my wire transfer requests have been completed?

A confirmation e-mail will be sent to you once the wire transfer requests
have been completed. When processed, your wire transfer transactions will
appear on your Transaction History screen so you can see when they were
posted. You can also inquire via myBDO Internet Banking though My
Services/Wire Transfer/ Wire Transfer Status Inquiry

4. Is there a limit to the amount I can transfer?

There is no limit to the amount you can transfer.

5. Is there a service charge fee for wire transfer requests?

Yes. The following are the charges for Wire Transfer Request.

Service
$ 10.00 (Local)
Charge:
$ 10.00 (International)

A $15.00 additional charge for International Remittance will be debited

from your account if On-Us is selected in Remittance Charge Field
6. When will my account be debited for the Wire Transfer charges?

Charges will be debited from your account together with the Wire Transfer
principal amount you've applied for immediately upon request.

What happens if I don't have enough money in my deposit account to cover

7.
Wire Transfer Request?

Your request will be rejected if you have insufficient funds in your account
balance to cover the Wire Transfer Principal amount and the charges.

VII.Pay Bills

1. How do I get started with MyBDO Internet Banking and BDO Phonebanking Bill Payments?
2. What bills can I pay through myBDO Internet Banking and BDO Phonebanking?
3. What is the maximum amount accepted for Bills payment via myBDO Internet Banking and
BDO Phonebanking?
4. What are my schedule options in paying my bills?
5. Can I cancel Post-Dated and Recurring Bills Payment Requests?
6. What is the cut-off time for Bills Payment transactions?
7. Can I change payment amounts for scheduled payments?
8. What happens if I don't have enough money in my deposit account to pay my bills?
9. How can I prove payments are made?
10. Is there a fee for MyBDO Internet Banking and Phonebanking Bill Payments?

How do I get started with MyBDO Internet Banking and BDO

1.
Phonebanking Bill Payments?

Once you have applied for myBDO Internet Banking and BDO
Phonebanking, you will be asked to provide all your subscriber numbers
from BDO's list of institutions that you would like to enroll for bill
payments. You must indicate the Subscriber's Nos. during enrollment under
Merchant Enrollment or through any of the following methods:

Log-in to myBDO Internet banking and enroll your accounts under

•
My Profile/Merchants/Add Merchants.

Visit your preferred branch and complete an BDO Electronic

•
Banking Enrollment/Update Form

Note that you may enroll up to 20 merchants for Bills Payment. Note that
you may start paying merchants upon enrollment.
 What bills can I pay through myBDO Internet Banking and BDO
2.
Phonebanking?

The following are the merchants available for Bills Payment:

ACE INSURANCE
AIG CREDIT CARD CO., AIG VISA CLASSIC
PHIL. INC AIG VISA GOLD
AIG MASTERCARD
CLASSIC
AIG MASTERCARD
GOLD
AMERICAN EXPRESS
BANK PHIL INC - Peso
AMEX DOLLAR CARD-
PESO PAYMENT
APO CEMENT CORP.
APO CONCRETE
ASIA PACIFIC E-SERV
BILL SERV
CORP
ASIAN SPIRIT, INC.
ATENEO ATENEO GRADE
SCHOOL
ATENEO BUSINESS
SCHOOL
ATENEO LOYOLA
SCHOOLS
AZ COMMUNICATION
NETWORK, INC.
BANKARD BANKARD
MASTERCARD
BANKARD VISA
BANKARD JCB
RCBC MASTERCARD
RCBC JCB
BANKARD ONE
BAYANTEL DAVAO
BAYANTEL GMA
BDO CREDIT CARD
BDO INSURANCE HULL
BROKERS INC. CGL
BANKERS BLANKET
BOND
 BOND
ENGINEERING
GROUP LIFE
MRI
TRAVEL PA/TRAVEL
SECURE
MOTOR/MOTOR SECURE
CASUALTY/FLOATER
MARINE CARGO
INDIVIDUAL
PA/ACCIDENT SECURE
INDIVIDUAL LIFE/PESO
SECURE
HEALTH
GROUP PA
FIRE/HOME SECURE
CABLELINK-
PARANAQUE CABLE TV
CENTRAL CATV
(SKYCABLE)
CENTRAL CATV(ZPDEE)
CITIBANK CITIBANK
MASTERCARD
CITIBANK VISA
CITIBABK READY
CREDIT MLA/CEBU
CITIBANK READY
CREDIT INSTALLMENT
DIGITEL
DIRECTORY PHILS CORP
(DPC)
EASTERN
TELECOMMUNICATIONS
PHILIPPINES, INC.
EASTWEST BANK
MASTERCARD
E-CENSUS (UNISYS)
EQUITABLE CARD ECN AMEX
NETWORK INC ECN JCB
ECN MASTERCARD
TITANIUM
ECN MASTERCARD
ECN VISA
ECN VISA CORPORATE
CARD
VISA DISTRIBUTION
 CARD
VISA PURCHASING
CARD
EQUITABLE INSURANCE
BROKERAGE
FILINVEST LAND, INC.
FORTUNE CEMENT
FR CEMENT
GENERALI-LIFE
GENERALI-NON LIFE
GENERALI PIL COLLEGE SECURE
BANKCASSURANCE LIFE SECURE
PREMIUM CASHBACK
GLOBE TELECOM INC. GLOBE HANDYPHONE
GP BANCASSURANCE COLLEGE SECURE
SUBSEQUENT PA LIFE SECURE
PREMIUM CASHBACK
GREENPEACE
FOUNDATION, INC.
HSBC CREDIT CARD
HSBC PERSONAL LOAN
ILIGAN CEMENT
INFOCOM
TECHNOLOGIES INC
INNOVE LEC (LANDLINE)
GNET
BC LEASE
LLOYD'S RICHFIELD
LOYOLA PLANS, INC.
MACONDRAY FINANCE
CORP.
MANILA GOLF AND
COUNTRY CLUB
MANULIFE FINANCIAL
PLANS
MANULIFE PHILS.
MATRIX MOBILE, INC.
MAXICARE
HEALTHCARE CORP.
MINDANAO PORTLAND
MORINDA
NEXT MOBILE, INC.
PACIFIC INTERNET
PHILAM LIFE
INSURANCE COMPANY
PHILAM PLANS INC.
PILIPINO CABLE -
BACOLOD
PILIPINO CABLE -
BAGUIO
PILIPINO CABLE -
CAMANAVA
PILIPINO CABLE - GMA /
RIZAL
PILIPINO CABLE -
ILOILO
PILIPINO CABLE -
LAGUNA / CAVITE
PILTEL-MOBILINE
PIONEER LIFE INC.
PLATINUM PLANS, INC.
PLDT
PORTAL AMAX
ELOAD
PLOAD
PRUDENTIALIFE PLANS
INC.
PRU LIFE U.K.
QUEZON CITY SPORTS
CLUB
REPUBLIC CEMENT
RIVIERA GOLF &
COUNTRY CLUB
SKY INTERNET
SMART
COMMUNICATIONS INC.
SOLID BROADBAND
CORPORATION
SOLID CEMENT CORP.
SONY LIFE INSURANCE
COPR.
 SOS CHILDREN'S
VILLAGES INC.
STANDARD CHARTERED VISA
BANK MASTERCARD
LOW RATE PLAN
ST. PETER LIFE PLAN -
PAYMENTS
SUN CELLULAR(DIGITEL
MOBILE)
SUN LIFE OF CANADA
PHILIPPINES INC.
SUN LIFE FINANCIAL
PLANS INC.
TAGAYTAY HIGHLANDS
INTL
TAGAYTAY MIDLANDS
GOLF CLUB
TELECOMMUNICATIONS
TECHNOLOGIES
PHILIPPINES, INC.
THE COUNTRY CLUB AT
TAGAYTAY
THE HIGHLANDS PRIME
COMM CONDO
THE ORCHARD GOLF &
COUNTRY CLB
TOYOTA FINANCIAL
SERVICES PHIL
TRI-ISYS INTERNET

Overtime, we will be adding more companies to make it even more

convenient for you to pay your bills.

What is the maximum amount accepted for Bills payment via myBDO
3.
Internet Banking and BDO Phonebanking?

There is no limit in the amount that you may pay in myBDO Internet
Banking and BDO Phonebanking. You may pay your bills up to your
available balance.

4. What are my schedule options in paying my bills?

 You may pay your bills immediately for myBDO Internet Baking and BDO
Phonebanking. For myBDO Internet Banking enrollees, you may also
request for Post-dated or Recurring Bills Payment transactions.

For immediate Bills Payment, your Bills Payment requests are processed
immediately upon execution. Your balance will reflect the transactions
correspondingly.

For Post-dated Bills Payment transactions, you may specify payment date
during your request. Request for scheduled payment should be at least one
day prior to the scheduled date.

For Recurring Bills Payment transactions, you can schedule monthly

payments to a specific, merchant for the next months or years. When
requesting for a recurring Bills Payments, you must specify start date and
end-date of per request. Request for Recurring payments should be at least
one day prior to the start date.

Post-dated and Recurring Bills Payment are processed at 7:00 pm on the

scheduled date.

5. Can I cancel Post-Dated and Recurring Bills Payment Requests?

Yes. You may cancel scheduled Bills Payment on or before 7:00pm on the
scheduled date via myBDO Internet Banking under My Financial
Services/Bills Payment/View/Edit/Delete Bills Payment Request/s.

6. What is the cut-off time for Bills Payment transactions?

The cut-off time for Bills Payment is 8:30pm. All transactions made after
the cut-off time and during week-ends and holidays are subject to
verification and will be considered transactions for the next banking day.

7. Can I change payment amounts for scheduled payments?

Yes. You can change payment amounts online via myBDO Internet
Banking under My Financial Services/Bills Payment/View/Edit/Delete Bills
Payment Request/s on or before 7:00pm on scheduled date.

What happens if I don't have enough money in my deposit account to pay

8.
my bills?

Your payment will be rejected if you don't have enough funds in your
 account balance to cover a payment. The system will display or voice out a
message that the source account balance is not sufficient for the transaction.
For Post-date and recurring transactions, you may view the status of your
scheduled Bills Payment Transactions via myBDO Internet Banking under
My Financial Services/Bills Payment/View Bills Payment Status Inquiry.

9. How can I prove payments are made?

You will be given a Transaction Reference Number after every successful

payment transaction in BDO Phonebanking. For payments made via
myBDO Internet Banking, a confirmation screen is displayed after every
successful payment transaction, which can be printed for reference. In
addition, the payments you made will appear on your Transaction History
screen so you can see when they were posted.

Is there a fee for MyBDO Internet Banking and Phonebanking Bill

10.
Payments?

No. Our bill payment service is free of charge.

VIII. BDO Cash Card Reload

1. What is a BDO Cash Card Reload?

2. How do I get started with myBDO Internet Banking and BDO Phonebanking BDO Cash Card
Reload?
3. Is there a limit to the amount I can reload through myBDO Internet Banking and BDO
Phonebanking?
4. What are my schedule options in BDO Cash Card Reload?
5. Can I cancel Post-dated and Recurring BDO Cash Card Reload Requests?
6. What is the cut-off time for BDO Cash Card Reload transactions?
7. Can I change reload amounts for scheduled BDO Cash Card Reloads?
8. What happens if I don't have enough money in my deposit account to reload funds?
9. How can I prove that reloads are made?
10. Is there a service fee for myBDO Internet Banking and BDO Phonebanking BDO Cash Card
Reloads?

1. What is a BDO Cash Card Reload?

BDO Cash Card Reload is a transfer between your own enrolled accounts
(Current and Savings Accounts and BDO Cash Card) to any BDO Cash.
However, reloading fund to a Third Party BDO Cash Card accounts require
enrollment.
 Time deposit and Consumer Loan accounts cannot be used as source for
Cash Card Reloads.

How do I get started with myBDO Internet Banking and BDO

2.
Phonebanking BDO Cash Card Reload?

You must first enroll your accounts with myBDO Internet Banking and
BDO Phonebanking. Your own accounts will automatically be available as
Source (Current and Savings Accounts and BDO Cash Card) and
Destination Accounts (BDO Cash Card only).

To reload funds to Third Party BDO Cash Card, you must indicate the
Cash Card Nos. during enrollment under Third Party Fund Transfer
Enrollment or through any of the following methods:

• Log-in to myBDO Internet banking and enroll your accounts under

My Profile/Third Party/Add Third Party Accounts.

Visit your preferred branch and complete an BDO Electronic

•
Banking Enrollment/Update Form

Note that you may enroll up to 20 3rd Party Accounts (Savings and Current
Accounts and BDO Cash Card). Enrollment of Third Party Accounts
requires approval of Electronic Banking Unit before you can request for
reload to these accounts.

Is there a limit to the amount I can reload through myBDO Internet

3.
Banking and BDO Phonebanking?

Reload limit would depend on the BDO Cash Card you are reloading. BDO
Cash Card has a balance limit depending on the type of card you are
reloading. Balance should not exceed limits as follows:

Generic -Php 10,000.00

Personalized - Php 25,000.00
Corporate - Php 100,000.00

4. What are my schedule options in BDO Cash Card Reload?

You may reload funds immediately for myBDO Internet Baking and BDO
Phonebanking. For myBDO Internet Banking enrollees, you may also
request for Post-dated or Recurring reloads.

For immediate reloads, your BDO Cash Card Reload transactions are
processed immediately upon execution. Your balance will reflect the
 transactions correspondingly.

For Post-dated reloads, you may specify reload date during your request.
Requests for scheduled reload should be at least one day prior to the
scheduled date.

For Recurring reloads, you can schedule monthly reloads to a specific

account for the next months or years. When requesting for a recurring BDO
Cash Card Reloads, you must specify start date and end-date of per request.
Request for scheduled reload should be at least one day prior to the start
date.

Post-dated and Recurring BDO Cash Card Reloads are processed at

9:30pm on the scheduled date.

5. Can I cancel Post-dated and Recurring BDO Cash Card Reload Requests?

Yes. You may cancel scheduled requests on or before 7:30 on the

scheduled date via myBDO Internet Banking under My Financial
Services/BDO Cash Card Reload/View/Edit/Delete Cash Card Reload
Request/s.

6. What is the cut-off time for BDO Cash Card Reload transactions?

The cut-off time for BDO Cash Card Reload is 9:30pm. All transactions
made after the cut-off time and during week-ends and holidays are subject
to verification and will be considered transactions for the next banking day.

7. Can I change reload amounts for scheduled BDO Cash Card Reloads?

Yes. You can change BDO Cash Card Reload amounts online via myBDO
Internet Banking under My Financial Services/BDO Cash Card
Reload/View/Edit/Delete Cash Card Reload Request/s on or before 7:30 on
the scheduled date .

What happens if I don't have enough money in my deposit account to

8.
reload funds?

Your reload will be rejected if you have insufficient funds in your account
balance to cover the reload. The system will display or voice out a message
that the source account balance is not sufficient for the transaction.

For Post-date and recurring BDO Cash Card Reloads, you may view the
 status of your scheduled BDO Cash Card Reload transactions via myBDO
Internet Banking under My Financial Services/BDO Cash Card
Reload/View Cash Card Reload Status Inquiry.

9. How can I prove that reloads are made?

You will be given a Transaction Reference Number after every transaction.

For BDO Cash Card Reloads made via MyBDO Internet Banking, a
confirmation screen is displayed after every successful reload transaction,
which can be printed for reference. In addition, the reloads made will
appear on your Account Details screen so you can see when they were
posted.

Is there a service fee for myBDO Internet Banking and BDO Phonebanking
10.
BDO Cash Card Reloads?

Our Cash Card Reload service is free of charge.

IX. Prepaid Mobile Reload

1. What is a Prepaid Mobile Reload?

2. What are the available Telcos and Denomination for Prepaid Mobile Reload?
3. What is the validity of my reload denominations?
4. How do I get started with myBDO Internet Banking and BDO Phonebanking Prepaid Mobile
Reload?
5. Is there a limit to the amount I can reload through myBDO Internet Banking and BDO
Phonebanking?
6. What are my schedule options in Prepaid Mobile Reload?
7. Can I cancel Post-dated and Recurring BDO Cash Card Reload Requests?
8. What is the cut-off time for Prepaid Mobile Reload transactions?
9. Can I change reload amounts for scheduled Prepaid Mobile Reloads?
10. What happens if I don't have enough money in my deposit account to reload funds?
11. How can I prove that reloads are made?
12. Is there a service fee for MyBDO Internet Banking and BDO Phonebanking Prepaid Mobile
Reloads?

1. What is a Prepaid Mobile Reload?

Prepaid Mobile Reload allows you to reload enrolled Prepaid Mobile Phone
from your accounts (Current and Saving Accounts and BDO Cash Card).
However, you need to enroll all Prepaid Mobile Nos. before you can request
for reloads.
 What are the available Telcos and Denomination for Prepaid Mobile
2.
Reload?

You may reload to any enrolled Globe and Touch Mobile Prepaid Nos. The
following are the available denominations per telco:

Globe

• P100
• P250
• P500

Touch Mobile

• P200
• P400

3. What is the validity of my reload denominations?

The validity of the reload would depend on the denomination. Please see list
below:

Denomination Validity
Globe
P 100 15 days
P 250 60 days
P 500 60 days
Touch Mobile
P 200 60 days
P 400 60 days

How do I get started with myBDO Internet Banking and BDO

4.
Phonebanking Prepaid Mobile Reload?

You must first enroll your accounts with myBDO Internet Banking and
BDO Phonebanking. Your own accounts will automatically be available as
Source (Current and Saving Accounts and BDO Cash Card). To reload
Prepaid Mobile Nos. you must indicate the Prepaid Mobile No. during
enrollment under Prepaid Mobile Reload Enrollment or through any of the
following methods:

Log-in to myBDO Internet banking and enroll your accounts under

•
My Profile/Mobile No./Add Mobile Nos.
 Visit your preferred branch and complete an BDO Electronic
•
Banking Enrollment/Update Form

You may enroll up to 20 Prepaid Mobile Nos. and enrollment requires

approval of Electronic Banking Unit.

Is there a limit to the amount I can reload through myBDO Internet Banking
5.
and BDO Phonebanking?

No. You can reload up to the available balance of your source account.

6. What are my schedule options in Prepaid Mobile Reload?

You may reload immediately for myBDO Internet Baking and BDO
Phonebanking. For myBDO Internet Banking enrollees, you may also
request for Post-dated or Recurring reloads.

For immediate reloads, your Prepaid Mobile Reload transactions are

processed immediately upon execution. Your balance will reflect the
transactions correspondingly.

For Post-dated Prepaid Mobile Reloads, you may specify reload date during
your request. Requests for scheduled reload should be at least one day prior
to the scheduled date.

For Recurring Prepaid Mobile Reloads, you can schedule monthly reloads
to a specific account for the next months or years. When requesting for a
recurring reloads, you must specify start date and end-date of per request.
Request for scheduled reload should be at least one day prior to the start
date.

Post-dated and Recurring Prepaid Mobile Reloads are processed at 8:00pm

on the scheduled date.

7. Can I cancel Post-dated and Recurring BDO Cash Card Reload Requests?

Yes. You may cancel scheduled requests on or before 9:30pm on the

scheduled day via myBDO Internet Banking under My Financial
Services/Prepaid Mobile Reload/View/Edit/Delete Prepaid Mobile Reload
Request/s.

8. What is the cut-off time for Prepaid Mobile Reload transactions?

 The cut-off time for Prepaid Mobile Reload is 9:30pm. All transactions
made after the cut-off time and during week-ends and holidays are subject
to verification and will be considered transactions for the next banking day.

9. Can I change reload amounts for scheduled Prepaid Mobile Reloads?

Yes. You can change Prepaid Mobile Reload amounts online via myBDO
Internet Banking under My Financial Services/Prepaid Mobile
Reload/View/Edit/Delete Prepaid Mobile Reload Request/s on or before the
7:30 processing time of scheduled transactions.

What happens if I don't have enough money in my deposit account to reload

10.
funds?

Your reload will be rejected if you have insufficient funds in your account
balance to cover the reload. The system will display or voice out a message
that the source account balance is not sufficient for the transaction.

For Post-date and recurring Prepaid Mobile Reloads, you may view the
status of your scheduled Prepaid Mobile Reload transactions via myBDO
Internet Banking under My Financial Services/Prepaid Mobile Reload/View
Prepaid Mobile Reload Status Inquiry.

11. How can I prove that reloads are made?

You will be given a Transaction Reference Number after every transaction.

For Prepaid Mobile Reloads made via MyBDO Internet Banking, a
confirmation screen is displayed after every successful reload transaction,
which can be printed for reference. In addition, the reloads made will appear
on your Account Details screen so you can see when they were posted.

Is there a service fee for MyBDO Internet Banking and BDO Phonebanking
12.
Prepaid Mobile Reloads?

Our Prepaid Mobile Reload service is free of charge but your account will
be debited for the amount you are reloading.

X. Checkbook Reorder
 1. How many checkbooks can I request via myBDO Internet Banking and BDO Phonebanking?
Is there a service fee for myBDO Internet Banking and BDO Phonebanking Checkbook
2. Reorder?
3. How soon can I pick up my checkbooks after ordering online or through the phone?
4. Can I view the status of the Checkbook Reorder request?

How many checkbooks can I request via myBDO Internet Banking and
1.
BDO Phonebanking?

You may request up to 2 checkbooks per request only.

Is there a service fee for myBDO Internet Banking and BDO Phonebanking
2.
Checkbook Reorder?

Our Checkbook Reorder is free of charge but your account will be debited
for the cost of checkbook which is P175.00 per checkbook.

How soon can I pick up my checkbooks after ordering online or through the
3.
phone?

You may claim you checkbook from your branch of account three (3) weeks
after request is made.

4. Can I view the status of the Checkbook Reorder request?

Yes if you reordered your checkbook via myBDO Internet Banking. You
may view the status of your request via My Service/Checkbook/Checkbook
Reorder Status Inquiry.

XI. Stop Payment Order

Can I perform Stop Payment Orders through MyBDO Internet Banking and BDO
1. Phonebanking?
2. Is there a fee for Stop Payment Order?
3. Can Stop Payment Orders be reversed online?

Can I perform Stop Payment Orders through MyBDO Internet Banking and
1.
BDO Phonebanking?
 Stop Payment Order can only be requested via myBDO Internet Banking.

2. Is there a fee for Stop Payment Order?

SPO fee of P 200.00 per check will be debited from your account upon
request.

3. Can Stop Payment Orders be reversed online?

No. Stop Payment Orders cannot be reversed online. You have to go to your
maintaining branch to lift the Stop Payment Order you issued through
myBDO Internet Banking.

XII.Call Center Banking

1. What is Call Center Banking Services?

2. Who can apply for Call Center Banking Services?
3. Is Call Center Banking Services accessible outside Metro Manila or the Philippines?
4. When can I start using Call Center Banking Services?

1. What is Call Center Banking Services?

BDO Call Center services allow enrolled customers for certain banking
transactions via CSO-Tellers, Mondays – Fridays, 9:00 am to 4:00 pm, in
addition to customer services and telemarketing services. Once you applied
for BDO Phonebanking, you will be automatically enrolled to Call Center
Banking Services. The same Phonebanking User ID/Number and
Phonebanking TPIN will be used for this facility. You can perform the
following transactions with Call Center Banking Services:

• Check your Savings and Current account balances

•
Inquire on your transaction history
•
Pay your bills

• Transfer of funds between enrolled savings and current accounts

OWNED by the customer

• Outward Foreign Telegraphic Transfer (Wire Transfer) for USD

accounts only
•
 Checkbook Reorder (available to CA only)
•
Stop Payment Order (SPO) - available to CA only
•
Pre-process Update Customer Info Requests
•
Service Phoned-in Reports of Lost/Stolen Cards

Note that Restricted Accounts are not allowed for enrollment to Call Center
Banking Services.

2. Who can apply for Call Center Banking Services?

BDO clients with Individual or Joint AND/OR Savings and Current

Accounts.

Is Call Center Banking Services accessible outside Metro Manila or the

3.
Philippines?

Yes. You may access BDO Phonebanking by dialing the following toll-free
nos.:

Domestic Toll-Free
1-800-10-631-8000
No. :
International Toll- Int. Access Code (IAC)- 800-
Free No. : 8-631-8000

4. When can I start using Call Center Banking Services?

You may start using Call Center Banking Services three (3) banking days
after enrollment. For online enrollment, the three-banking day turn around
time starts when BDO receives your Signed Online Enrollment form.

XIII.Others

The buttons on myBDO Internet Banking doesn’t seem to work whenever I click them. What
1. should I do?
2. Why do I get an error every time I try to view or print my Online Enrollment Form?
3. How to disable pop-up blocker?
4. Some of the images of the website doesn't load completely? What can I do to fix this?
5. I'm having trouble with page updates?
6. How would I know if my Proxy settings are correct?
7. Do I have to allow the use of Java and JavaScript in my browser?
 8. Im having problems logging in SSL settings. What should I do?

The buttons on myBDO Internet Banking doesn’t seem to work every time
1.
I click them. What should I do?

You will need to perform the following adjustments to optimize your

browser for use with myBDO.

For Client's using Windows:

You will need to have the Sun Microsystems Java Runtime Environment
(JRE) software version 1.4.1 (1.4.2_06 or higher strongly recommended)
software installed in your browser in order for certain areas of myBDO to
function properly. Sun JRE version 5.0 (1.5) is also supported.

To install this software:

• Click here. The Download Java(TM) 2 Runtime Environment page
appears.
• Review and accept the License Agreement.
• Select the appropriate download and follow the online instructions.

For Client's using Mac:

Follow these steps:
• For Mac OS X, download and install the latest version of Java for Mac
OS X.
• For Mac OS 9 and earlier, download and install the MRJ 2.2.5.

In addition, you will need to perform the following adjustments:

a. Netscape - Windows

1. Enable Java
• From the Edit menu, select Preferences
• In the left-hand pane, select Advanced
• Make sure the Enable Java checkbox is selected
• Click OK

2. Switch to the Sun Java Runtime Environment

• Open the Windows Control Panel by clicking Start > Settings >
Control Panel. The Control Panel appears.
• Locate and double-click Java or Java Plug-in. The Java Control
Panel appears.
• Look for the Browser tab.
> If the Browser tab does not exist, skip the rest of this section.
> If the Browser tab exists, click the Browser tab.
• Under Settings, select the checkbox next to your browser.
• Click Apply to save your settings.
• Restart the browser.
 3. Enable JavaScript
• From the Edit menu, select Preferences
• In the left-hand pane, click the arrow next to Advanced, and
select Scripts & Plug-ins
• Under Enable JavaScript for, make sure the Navigator checkbox
is selected.
• Click OK

b. Netscape - Mac

1. Enable Java
• From the Edit menu, select Preferences
• In the left-hand pane, select Advanced
• Make sure the Enable Java checkbox is selected
• Click OK

2. Enable JavaScript
• From the Edit menu, select Preferences
• In the left-hand pane, click the arrow next to Advanced, and
select Scripts & Plug-ins
• Under Enable JavaScript for, make sure the Navigator checkbox
is selected.
• Click OK

c. Mozilla - Windows

1. Enable Java
• From the Edit menu, select Preferences
• In the left-hand pane, select Advanced
• Make sure the Enable Java checkbox is selected
• Click OK

2. Switch to the Sun Java Runtime Environment

• Open the Windows Control Panel by clicking Start > Settings >
Control Panel. The Control Panel appears.
• Locate and double-click Java or Java Plug-in. The Java Control
Panel appears.
• Look for the Browser tab.
> If the Browser tab does not exist, skip the rest of this section.
> If the Browser tab exists, click the Browser tab.
• Under Settings, select the checkbox next to your browser.
• Click Apply to save your settings.
• Restart the browser.

3. Enable JavaScript
• From the Edit menu, select Preferences
• In the left-hand pane, click the plus sign (+) next to Advanced,
and select Scripts & Plug-ins
• Under Enable JavaScript for, make sure the Navigator checkbox
 is selected.
• Click OK

d. Mozilla - Mac

1. Enable Java and JavaScript

• From the Mozilla menu, select Preferences
• In the left-hand pane, select Advanced
• Make sure the Enable Java checkbox is selected
• In the left-hand pane, click the arrow next to Advanced, and
select Scripts & Plug-ins
• Under Enable JavaScript for, make sure the Navigator checkbox
is selected.
• Click OK

e. Safari - Mac

1. Enable Java
• From the Safari menu, select Preferences
• In the top pane, select Security
• Next to Web Content, make sure the Enable Java checkbox is
selected
• Close the pop-up window.

2. Enable JavaScript
• From the Safari menu, select Preferences
• In the top pane, select Security
• Next to Web Content, make sure the Enable JavaScript
checkbox is selected
• Close the pop-up window.

f. Internet Explorer - Windows

1. Enable Java
• Select Tools then choose Internet Options. The Internet Options
screen appears.
• Select the Security tab.
• Click the Custom Level button. The Security Settings screen
appears.
• Look for the Java Permissions section.
> If the section does not exist, continue to the next step.
> If the section exists, choose Low, Medium or High safety
• Click OK. The Internet Options screen appears.
• Click OK

2. Switch to the Sun Java Runtime Environment

• Open the Windows Control Panel by clicking Start > Settings >
Control Panel. The Control Panel appears.
• Locate and double-click Java or Java Plug-in. The Java Control
 Panel appears.
• Look for the Browser tab.
> If the Browser tab does not exist, skip the rest of this section.
> If the Browser tab exists, click the Browser tab.
• Under Settings, select the checkbox next to your browser.
• Click Apply to save your settings.
• Restart the browser.

3. Enable JavaScript
• Select Tools then choose Internet Options. The Internet Options
screen appears.
• Select the Security tab.
• Click the Custom Level button. The Security Settings screen
appears.
• Scroll down to Scripting, and enable Active Scripting and
Scripting of Java Applets.
• Click OK. The Internet Options screen appears.
• Click OK

g. Internet Explorer - Mac

1. Enable Java

IE 5.2
• From the menu bar select Explorer then choose Preferences
• Select the arrow next to Web Browser to expand the options
• Select Java
• Under Java Options select the option Enable Java
• Click OK

IE 5.0 and 5.1

• From the menu bar select Edit then choose Preferences
• Select the arrow next to Web Browser to expand the options
• Select Java
• Under Java Options select the option Enable Java
• Click OK

2. Enable JavaScript
• From the Explorer or Edit menu, select Preferences
• Select the arrow next to Web Browser to expand the options
• Select Web Content
• Under Active Content, select Enable Scripting.
• Click OK

h. Firefox - Windows

1. Enable Java
• From the Tools menu, select Options
 • In the left-hand pane, click Web Features
• Make sure the Enable Java checkbox is selected
• Click OK

2. Switch to the Sun Java Runtime Environment

• Open the Windows Control Panel by clicking Start > Settings >
Control Panel. The Control Panel appears.
• Locate and double-click Java or Java Plug-in. The Java Control
Panel appears.
• Look for the Browser tab.
> If the Browser tab does not exist, skip the rest of this section.
> If the Browser tab exists, click the Browser tab.
• Under Settings, select the checkbox next to your browser.
• Click Apply to save your settings.
• Restart the browser.

3. Enable JavaScript
• From the Tools menu, select Options
• In the left-hand pane, click Web Features
• Make sure the Enable JavaScript checkbox is selected
• Click OK

i. Firefox- Mac

1. Enable Java and JavaScript

IE 5.2
• From the Firefox menu, select Preferences
• In the left-hand pane, click Web Features
• Make sure the Enable Java and Enable JavaScript checkboxes
are selected
• Click OK

Why do I get an error every time I try to view or print my Online

2.
Enrollment Form?

The Online Enrollment Form can be viewed via the I-net Crystal Clear
Report. If you are encountering errors in viewing
I-Net Crystal Clear Report, please enable ActiveX Controls and
Downloads Options of you browser.

a. Internet Explorer - Windows

• Select Tools then choose Internet Options. The Internet Options

screen appears.
• Click the Security tab
• Click on the Custom Level button.
 • Configure the six categories by following the directions below:
> Active X Controls and Plug-ins
1. Enable Download signed ActiveX
2. Run ActiveX controls and plug-ins
3. Script ActiveX controls marked safe for scripting.
> Downloads - Enable File Download.
• Click OK, then Click OK again.

b. Internet Explorer - Mac

• From the menu bar select Explorer then choose Preferences

• Select the arrow next to Web Browser to expand the options
• Select Active Content.
• Select all the options under Active Content.
• Click OK.

3. How to disable pop-up blocker?

While using myBDO, if you are unable to view alert messages, error
messages and download links, then you need to disable pop-up blocking
for your MyBDO server.

Depending on the pop-up blocking software you are using, you may be
able to set your MyBDO server as an allowed site, or you may need to
disable the pop-up blocker while using MyBDO.

Pop-up blockers work in the background while you browse the Internet.
When they detect a pop-up window that may be an unwanted
advertisement, they automatically close the window. This can prevent
MyBDO from performing properly.

To disable pop-up blockers: click here

Some of the images of the website doesn't load completely? What can I do
4.
to fix this?

CAUSE
This problem may occur if the Web site or an intermediate device, such as
a load balancing switch, responds to the Internet Explorer 6 GET request
with an HTTP 302 (redirect) server response packet and the Transmission
Control Protocol (TCP) FIN (that is, finished) bit is set, but the TCP
RESET bit is not.

WORKAROUND
To work around this problem in Internet Explorer 6, click View, and then
click Refresh.
5. I'm having trouble with page updates?

Do you have problems with page updates? Old pages were being
display. Changes you just made are not visible in the page. This
problem most typically has got to do with your browser settings or
possibly you organization's proxy server.

You should check that your browser is set to check for newer versions
of pages with every visit.

Cache settings

Netscape 7
• Edit/Preferences/Advanced/Cache
• Compare the page in the cache to the page on the network
• Choose option "Every time I view the page"

Netscape 4.78
• Edit/Preferences/Advanced/Cache
• Document in cache is compared to document on network
• Choose option "Every time"

Internet Explorer 6
• Tools/Internet Options/General/Temporary Internet Files/Settings
• Check for newer versions of stored pages
• Choose option "Every visit to the page"

Internet Explorer for Mac 5.2

• Explorer/Preferences/Web Browser/Advanced/Cache
• Choose option "Always".

Opera 6.0
• Edit/Preferences/History and cache/Check modified/Documents
• Choose option "Always"

6. How would I know if my Proxy settings are correct?

Attention! It is possible that your organization's Internet connection goes

through proxy server for security reasons. Consult your organizations
Internet security personnel for the correct settings and before changing
these settings.

7. Do I have to allow the use of Java and JavaScript in my browser?

MyBDO is using Java and Javascript to validate and process your request.
Browser must allow the use of Java and JavaScript in order to use all the
features of myBDO.

Netscape 7
• Edit/Preferences/Advanced
• Choose options "Enable Java" and "Enable JavaScript for Navigator"

Netscape 4.78
• Edit/Preferences/Advanced
• Choose options "Enable Java" and "Enable JavaScript"

Internet Explorer 6
• Tools/Internet Options/Security/Security level
• Choose Medium or Medium-low
• You can also use the option "Custom level". Make sure that options
"Scripting/Active Scripting/Enable" and "Scripting of Java applets/Enable"
are chosen.

Internet Explorer for Mac 5.2

• Explorer/Preferences/Web Browser/Java
• Choose option "Enable Java".
• Explorer/Preferences/Web Browser/Security
• Choose option "Medium (more secure)".
• You can also use option "Custom". Make sure that options "Scripting:
Execute scripts" and "Scripting: Execute scriptlets" are marked as
"Enable".

Opera 6.0
• Edit/Preferences/Multimedia/Media types
• Choose options "Enable Java" and "Enable plug-ins".
• Before you click OK, choose also the following options:
• Edit/Preferences/Multimedia/JavaScript
• Choose option "Enable JavaScript".

In some rare cases it is possible that the above-mentioned setting do not

help. Then it may be necessary to install Java Runtime Environment to
your computer. You fill find it from the address below:

http://java.sun.com/products/archive/j2se/1.4.2_14/index.html

Below header " J2RE 1.4.2_14" choose link Download JRE and after
accepting the agreement choose the right version of JRE for your
operating system.

Read the instructions carefully and install.

For Internet Explorer you must do one additional check up after you
have installed Java Runtime Environment.:
 Internet Explorer 6
• Tools/Internet Options/Advanced/Java (Sun)
• Choose option "Use Java 2 v1.4.2_01 for applet"
• Restart Internet Explorer

8. Im having problems logging in SSL settings. What should I do?

The login page of myBDO uses secured connection so that the login
names and passwords of users will not end up in wrong hands. Using
the secured connection demands that SSL (Secure Sockets Layer)
protocol is enabled in the browser. You can check it out from you
browser settings.

Netscape 7
• Edit/Preferences/Privacy & Security/SSL
• Choose options "Enable SSL version 2", "Enable SSL version 3" and
"Enable TLS".

Netscape 4.78
• Communicator/Tools/Security info/Navigator/Advanced Security
(SSL) Configuration
• Choose options "Enable SSL (Secure Sockets Layer) v2" and
"Enable SSL (Secure Sockets Layer) v3"

Internet Explorer 6
• Tools/Internet Options/Advanced/Security
• Choose options "Use SSL 2.0", "Use SSL 3.0" and "Use TLS 1.0".

Internet Explorer for Mac 5.2

• Explorer/Preferences/Network/Protocol Helpers
• Make sure that option "https" is checked. If it isn't, you can activate
from "Change"-button. Choose "Use current application if possible".

Opera 6.0
• Edit/Preferences/Security/Security protocols

Certificates
Certificate is a document saved to your computer that certifies
reliability of web server. Also myBDO uses certificates. In problematic
situations concerning certificates it may be best to remove the old
certificates. It is possible to view and delete these certificates in
browsers. See instructions below:

Netscape 7
• Edit/Preferences/Privacy & Security/Certificates/Manage certificates
 Netscape 4.78
• Communicator/Tools/Security info/Certificates/Web sites

Internet Explorer 6
• Tools/Internet Options/Content/Certificates/Certificates

Opera 6.0
• Edit/Preferences/Security/Security protocols/Certificates/Authorities

For client who are using IE7 - please refer to http://www.ie-

vista.com/known_issues.html

XIV.EPCI E-Banking Migration

A. ATM & Debit Cards

1. What happens to the ATM Networks of BDO and EPCI?

2. Are all current transactions in EPCI ATM available in BDO?
3. Will my existing FASTeller ATM card be replaced?
4. Is cash advance for Visa, JCB and AMEX cards available at BDO ATMs?
5. Will my ATM PIN be changed?
6. Will I be able to access my EPCI accounts during the conversion weekend of my branch?
What happens if I forgot my ATM PIN? Can I still go to any EPCIB branch and perform PIN
7. change?
8. How will I change my ATM PIN once my account is converted?
9. What if my FASTeller ATM card is lost or stolen? Where do I report it?
10. Will my lost/stolen card be replaced? How?
11. What if my card is damaged or captured and eventually perforated by the Bank?
12. Can I still access my peso and dollar accounts linked to my ATM card?

The buttons on myBDO Internet Banking doesn’t seem to work every time
1.
I click them. What should I do?

Our ATM Networks will be interconnected. With a combined network of

more than 1200 ATMs, you will have better access your accounts free of
inter-network charges.

2. Are all current transactions in EPCI ATM available in BDO?

No. But, the ff transactions will be promoted/available at BDO ATMs by

last quarter of this year:
• Bills Payment Unenrolled
• Prepaid Card Reload / Purchase
• Statement Request
• Fund Transfer to Other Banks (IBFT)
 • Deposits (selected ATMs only)

3. Will my existing FASTeller ATM card be replaced?

No. You may still use your existing FASTeller cards to access your funds
at any EPCI, ESB, BDO ATMs, as well as at any Megalink, Bancnet and
Expressnet ATMs locally, and at any PLUS ATMs abroad.

4. Is cash advance for Visa, JCB and AMEX cards available at BDO ATMs?

Cash Advance is available for JCB and AMEX cards. For Visa Cards, it
will be available by last quarter of the year.

5. Will my ATM PIN be changed?

No, you will still use your existing ATM PIN for all your ATM
transactions.

Will I be able to access my EPCI accounts during the conversion weekend

6.
of my branch?

During the conversion weekend when all your EPCI account information
are be transferred to the new Banco de Oro-EPCI system, you will be
unable to perform transactions through ATM, Point-of-Sale terminals,
Retail Internet Banking, Phone Banking, Mobile Banking and other
electronic banking channels.

What happens if I forgot my ATM PIN? Can I still go to any EPCIB

7.
branch and perform PIN change?

If you forgot your PIN, you will have to apply for a new card at your
branch of account. Replacement fee is P100. Upon receiving your new
BDO card you must immediately go to any BDO ATM to nominate your
PIN. Once your account has been converted, you may no longer perform
PIN change at any unconverted EPCIB branch. Instead, changing of your
PIN can ONLY be performed at any BDO ATMs.

8. How will I change my ATM PIN once my account is converted?

You may opt to change your PIN anytime via any BDO ATM.

9. What if my FASTeller ATM card is lost or stolen? Where do I report it?

 You should report immediately to your branch of account, or call our
EPCIB Call Center at 84911 or BDO Call Center at 6318000 for it to be
blocked/suspended.

10. Will my lost/stolen card be replaced? How?

After reporting your lost cards for blocking/suspension, you should

proceed to your branch of account to request for a replacement card. You
will also have to submit an "Affidavit of Loss" and pay the required card
replacement fee of P100. Your card will now be replaced with a BDO
ATM card. You will be advised by the branch to come back after 3-5
banking days (MM branches) to claim your new card. (7-10 banking days
for provincial branches)

What if my card is damaged or captured and eventually perforated by the

11.
Bank?

You will have to proceed to your branch of account to request for a new
card, and pay the required card replacement fee of P100. Your card will
now be replaced with a BDO ATM card. You will be advised by the
branch to come back after 3-5 banking days to claim your new card. (7-10
banking days for provincial branches)

12. Can I still access my peso and dollar accounts linked to my ATM card?

Our bank representatives will be calling to inform you that, to provide

distinction on your peso and dollar accounts, you will be provided with
two (2) new BDO ATM cards to replace your existing card, for free. One
card is for your peso account and the other, for your dollar account. You
may claim these replacement cards upon surrender of your existing ATM
card at your branch of account.

II. Internet Banking/ Phone Banking / Mobile Banking

What happens to my enrollment in FASTNet / FASTPhone / FASTPhone SMS / E-Payment

1. once my EPCI branch is converted?
2. Can I still access my accounts and do financial transactions via the EPCI E-Banking channels?
3. What transactions can I do using my converted account in EPCIB Channles?
4. Do I need to re-enroll in BDO Electronic Banking to use the facility?
5. How do I access BDO Electronic Banking?
6. What log-in IDs do I use to access BDO Electronic Banking?
7. When can I start accessing BDO E-Channels?
8. Are all my enrolled accounts in EPCI E-Banking available in the BDO E-banking channels?
9. Are all current transactions in EPCI E-Banking available in BDO E-Banking?
10. What transactions are not available in EPCI E-Banking if I use my converted EPCIB account?
11. What will I do if I cannot access BDO E-Banking using my EPCIB PAN and Password?
 I have existing accounts with BDO, how do I add them in my enrollment migrated to
12. FastNet/FastPhone?
I have an existing enrollment to BDO E-Banking before my branch was converted but my
13. enrollment to FastNet/FastPhone was migrated as a new enrollment to E-Banking, can I request
for just one access?
14. What Account No. should I use when transacting in EPCIB Channels?

What happens to my enrollment in FASTNet / FASTPhone / FASTPhone

1.
SMS / E-Payment once my EPCI branch is converted?

Your enrollment FASTNet / FASTPhone / FASTPhone SMS / E-Payment

shall be converted to BDO Electronic Banking facilities as soon as one of
your E-Banking enrolled account is converted to a BDO account.
Following are the equivalent BDO E-Banking channels of EPCI Electronic
Banking:

EPCIB BDO
Internet Banking FASTNet myBDO Internet Banking
FASTNet e-
e-Payment myBDO Internet Banking
Payment
Phone Banking FASTPhone BDO PhoneBanking
FASTPhone BDO Mobile Banking (soon to be
Mobile Banking
SMS launched)

For FastPhone SMS enrollees, you need to be enrolled to FastPhone also

so that your enrollment may be migrated. If you are not enrolled in
FastPhone, you may enroll to BDO PhoneBanking as soon as your account
is converted.

Can I still access my accounts and do financial transactions via the EPCI
2.
E-Banking channels?

Yes, you may still access FASTNet / FASTPhone / E-Payment using your
EPCI usernames and passwords/PIN even if your EPCI accounts have
already been converted to BDO accounts, but with limited services to your
converted account/s. To enjoy all the facilities and services, it is
recommended that you use BDO Electronic Banking as soon as all your
accounts have been converted and enrolled in BDO Electronic Banking.

For FastPhone SMS, the service will be available for your converted
accounts very soon.

What transactions can I do using my converted account in EPCIB

3.
Channles?

You may still perform balance inquiry, fund transfer (converted to

unconverted and vice versa) using your converted accounts in EPCIB E-
 Channels.

However, these transactions will be unavailable for converted accounts via

EPCIB Channels from:

Tuesday to Friday - 12:00 midnight to about 4:00am

4. Do I need to re-enroll in BDO Electronic Banking to use the facility?

If you are an active user of FASTNet, FASTPhone or E-Payment, your

accounts will automatically be enrolled in myBDO Internet Banking and/or
BDO Phone Banking. Active status means that you have performed any
online activity (log-in, inquiries, transactions) in EPCI E-Banking for the
past year.

If you are a FASTPhone SMS user without FastPhone enrollment, you

need to re-enroll in the BDO Mobile Banking facility as soon as the service
is launched so that you can activate "BDO" in your mobile banking menu.

5. How do I access BDO Electronic Banking?

You may access through the following:

myBDO Internet
BDO Homepage: www.bdo.com.ph
Banking
www.bancodeoro.com.ph
Direct URL: https://www.mybdo.com.ph
BDO
Metro Manila: 631-8000
PhoneBanking
Domestic Toll-
1-800-10-6318000
Free No.
Intl. Toll-Free No. (IAC)+800-8-6318000
BDO Mobile Activate BDO in your Smart Mobile Banking (soon
Banking to be launched)

6. What log-in IDs do I use to access BDO Electronic Banking?

To access myBDO Internet Banking and BDO PhoneBanking, migrated

clients should use the current EPCI Log-In IDs (PAN and Password for
FASTNet; PAN and FAN for FASTPhone)

For EPCI FASTPhone SMS:

If you are a FASTPhone SMS user (with FastPhone enrollment), you need
to activate "BDO" in your mobile banking menu. (soon to be launched)
7. When can I start accessing BDO E-Channels?

Migrated clients may start accessing BDO E-Channels on the 1st Monday
after conversion of the EPCIB account.

Initial log-in to BDO PhoneBanking may be done anytime of the day.

For myBDO Internet Banking, initial log-in will be allowed anytime

except:

Tuesday to Friday - 12:00 midnight to about 4:00am

Are all my enrolled accounts in EPCI E-Banking available in the BDO E-

8.
banking channels?

Yes. Once your EPCI accounts are converted to BDO accounts, your
enrolled accounts in EPCI E-Banking will automatically be available in
BDO Electronic Banking.

Are all current transactions in EPCI E-Banking available in BDO E-

9.
Banking?

Yes, but some transactions may require enrollment. Subscriber numbers

for Bills Payment and 3rd Party destination accounts for Fund Transfers
require enrollment which may de done online or thru any branch of BDO.

What transactions are not available in EPCI E-Banking if I use my

10.
converted EPCIB account?

The following transactions will not be available for CONVERTED

ACCOUNTS via EPCI E-Banking:

Fund Transfer from a CONVERTED to a CONVERTED

a)
ACCOUNT.
b) Bills Payment using CONVERTED account as source.
c) Transaction History from the time account is CONVERTED
Checkbook Reorder & Record Check for CONVERTED
d)
accounts
e) Cashier/Traveler and Nee Account Opening

What will I do if I cannot access BDO E-Banking using my EPCIB PAN

11.
and Password?

You may call BDO Contact Center so that they can assist you in your log-
 in problems. You may contact them at:

Metro Mla 631-8000 / 84911

Domestic Toll
1-800-10-6318000
Free No.
1-800-188-84911
(PLDT)
1-800-333-84911
(Digitel)
1-800-333-84911
(Digitel)
Int. Toll Free No. (IAC)+800-8-6318000

I have existing accounts with BDO, how do I add them in my enrollment

12.
migrated to FastNet/FastPhone?

As soon as your enrollment is migrated, you may add your other BDO
accounts via and BDO-EPCI Branches nationwide or if you are migrated to
myBDO Internet Banking, you may add them online.

I have an existing enrollment to BDO E-Banking before my branch was

13. converted but my enrollment to FastNet/FastPhone was migrated as a new
enrollment to E-Banking, can I request for just one access?

Yes. Please call BDO Contact Center and request for merging of your
enrollment. Upon verification, BDO Contact Center shall request for
merging of your enrollment. Turn around time for this request is 3-5 days.

14. What Account No. should I use when transacting in EPCIB Channels?

When using EPCIB Channels, you need to enter the ECPIB Account No.
when doing transaction. (i.e., when transferring funds from your
CONVERTED using FASTPhone, you must enter the EPCI Account No.
even if your account is already converted to BDO).

TROUBLE SHOOTING:

For clients with unsuccessful initial log-in to myBDO Internet Banking

• Verify with client the User ID and Password that was used to log-in
o EPCIB PAN should be the User ID used by the migrated client
• Verify the date and time of the initial log-in
o Initial log-in is not allowed during:
• Tuesday to Saturdays - 12:00 midnight to about 4:00am
• Ask client to log-in to FastNet and check if access is allowed. If access
is not allowed due to locked ID, initial log-in to myBDO Internet Banking
will also be denied. Client must request for re-set of Password via Call
Center.