Public Bank provides various convenient methods for customers to check their account balances and transaction histories online.
This article outlines the steps to access your account balance, transaction history, and other related inquiries.
How to Check Public Bank Account Balance Online
To check your Public Bank account balance online, follow these steps:
- Log into Online Banking: Visit the Public Bank website and log into your online banking account using your credentials.
- Navigate to Accounts: Click on the “Accounts” tab to view all your accounts.
- Select Your Account: Choose the specific account for which you wish to check the balance. Your current balance will be displayed prominently on the screen.
Alternatively, you can use the MyPB App, which allows you to view your account balance anytime and anywhere. After downloading the app, log in with your existing credentials.
How Can I Check My Public Bank Transaction History Online?
To view your transaction history:
- Log into Online Banking: Access your account as described above.
- Go to Transaction History: Click on the “Transaction History” or “Statements” section.
- Select Date Range: You may be prompted to select a date range for transactions you wish to view.
This feature is also available on the MyPB App, which offers a user-friendly interface for accessing transaction details.
Can I Check Public Bank Account Balance Using SMS?
No. It is not possible to check your Public Bank account balance using SMS. But you can check your account balance through other methods such as online banking, mobile banking app, or by visiting an ATM or a local branch.
Can I Check Public Bank Credit Card Balance Online?
Yes, you can check your Public Bank credit card balance online by logging into your online banking account:
- Log into Online Banking: Use your credentials to access your account.
- Select Credit Card Section: Navigate to the credit card section where you can view your current balance, available credit, and recent transactions.
The MyPB App also provides this functionality for credit card holders.
What is the Difference Between Public Bank Current Balance and Available Balance?
- Current Balance: This is the total amount of money in your account at any given time, including pending transactions that have not yet cleared.
- Available Balance: This represents the amount of money you can withdraw or spend immediately. It excludes any pending transactions or holds on funds.
Understanding this difference is crucial for effective account management and avoiding overdraft fees.
How Do I Maintain My Public Bank Balance?
To maintain a healthy balance in your Public Bank account:
- Regular Monitoring: Frequently check your account balance and transaction history using online banking or the MyPB App.
- Budgeting: Create a budget to manage expenses and ensure that you do not overspend.
- Set Alerts: Utilize banking alerts for low balances or unusual transactions to stay informed about your finances.
- Automatic Transfers: Consider setting up automatic transfers to savings accounts to help maintain a minimum balance.
By following these practices, you can effectively manage and maintain your Public Bank account balance while taking full advantage of the bank’s digital services.
