Photo courtesy: The Northland Blog
I was quite devastated lately. I have been so stressed this past few weeks just opening a bank account. While haggling the processing is already a pain because of an unfavorable work schedule, I also failed attempts because of either bringing incomplete documents or lacking details in my papers.
I badly needed to open an ATM account for the insurance I am currently applying for. My application will only be approved if I already have the account so paying them would be much easier. I will just have to deposit my payment and they will withdraw it from the ATM.
So, I was painstakingly planning my free times and weekends to process it. That means, I should seize every chance I get to work on it because only God knows when I can have the longer time to do it again. But so far, all I got were wasted moments.
We went with my financial adviser to the bank, bringing with me the only IDs that I have, some ID photos and some bills. I was not really keen with my IDs, whether it is primary or secondary. When I started presenting my company ID, Pag-Ibig ID, and Voter’s Registration ID, all I got was a hesitant countenance from the teller. She said what they usually require are primary IDs like the passport and driver’s license etc. She asked if I have an NBI clearance or SSS ID or UPID. I said I think I have but I did not bring it with me. She excused for a while to talk to their manager about it but unfortunately, the head refused to approve. “Just return here as soon as you have the required documents and a filled-up application form,” she said, smiling apologetically. I returned the polite gesture.
But inside me was like “God, I waited for almost an hour there? Seriously?” Okay. I calmed myself because it was my fault too. After that day, I was bound for Manila and will be assigned there for a week. So, I really don’t know when I can I process it again.
I was able to chance the bank. I already got my NBI Clearance and my E-1 Form from the SSS. When it was my turn, that was after another hour of waiting game, I presented everything that I have. The teller checked each of them. She handed me a form to fill-up but after a while she asked for any proof of billing. The billing, she said, was to check and validate my mailing address. Yikes. Though I know it was one of their requirements, I hesitated to bring my water and electricity bill. I was just renting an apartment and it could change. And besides, it was not named after me. And the teller said, “It’s okay.” Can you kill me now? Again, I failed to process it.
This time, I brought everything. All the valid IDs and documents that I have and waited another freakin’ hours. And for some unfortunate reason, my application was not approved. The teller noticed two of my IDs, both secondary, missed a name extension. I supposed to have a “Jr.” appended on my name but my NBI and TIN card lack thereof. “Without the Jr., it would be another person,” she explained. What’s wrong people? I am starting to lose hope. She advised that I get a police clearance or an NBI clearance and make sure my name there is complete.
It tested my patience. Not to mention the system glitches of the bank and the unpredictable call of duty whenever I am free.
I didn’t have the time yet but I wanted to share some things I learned from these experiences.
KNOW YOUR IDS.
It is important that you have already acquired those considered as valid IDs. You might think you don’t need this at the moment but who knows what the future holds? (chuckles at my cheesy line). The following IDs are considered valid and primary. These are the IDs that you should prioritize to secure.
- Philippine Passport (issued by the Department of Foreign Affairs)
- Driver’s License (by the Land Transportation Office)
- SSS UMID Card (by the Social Security System)
- GSIS ID or eCard (by the Government Services and Insurance Corporation)
- Digitized Postal ID (by the Philippine Postal Corporation)
- PRC ID (by the Professional Regulation Commission)
- IBP ID (by the Integrated Bar of the Philippines)
- OWWA ID (by the Overseas Worker’s Welfare Administration)
- Senior Citizen ID (by the Department of Social Welfare and Development)
- Voter’s Registration ID (by the Commission of Elections)
- Diplomat ID (by the Philippine Embassy)
- OFW ID (by the Department of Labor and Employment)
- GOCC and Government Office ID (by the branch or agency of the government)
Meanwhile, the following are considered secondary. They are called as so because they serve as a supplement in case you need additional identification documents. You can bring two or more of this although not all establishments accept these.
- NBI Clearance
- Police Clearance
- Baranggay Clearance
- Cedula or Community Tax Certificate
- Voter’s Certification
- Government Service Record
- School ID
- Form 137 for students
- Transcript of Records from University or College
- Land Title
- PSA Marriage Contract
- Seaman’s Book
- Old Postal ID
- Philhealth Card
- PWD ID
- TIN Card
- Firearms’ License Card
- Authenticated Birth Certificate
- Authenticated Marriage Certificate
- PLRA ID
- Company ID
- Alumni ID
- Credit Cards with Photo
Source: www.isensey.com, updated April 2017
BE KEEN ON YOUR DETAILS.
In order not to happen to you what happened to me at my last attempt, it pays to check the details on your documents, your IDs in this case. Don’t ignore spellings and extensions (Jr., Sr., III, II, etc.) in your name and other information. Make sure it is always complete. And sometimes it starts with the form you usually fill up. If in case the problem happened during the encoding, be prompt in telling them what is wrong and to correct it.
Before going to the bank or any establishments, know what are the requirements and bring everything you have. You can also call the agencies and the establishment ahead of time to consult if the IDs or documents that you have are enough and what are the other alternatives. There are instances that some requirements, although written in their list, are no longer asked from you. Bring them anyway. It doesn’t hurt to return it to your envelopes or bags.
These are the things that you might need to consider in your documents in order to save time in processing just anything. A complete and ready documents and requirements might not make you avoid the long queue but it will definitely spare you from further hassle. You can start checking now so that you will be confident in case you need to open a bank account, for instance.
What else can you suggest? Comment below! Thank you 🙂