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In my experience as a trader who carefully reviews account policies, I always pay special attention to inactivity or dormancy fees, since these can have a substantial impact on long-term account costs. With PNB, I found that they do impose a dormancy fee. According to the information available, this fee is charged after an account has been inactive for five years. For selected accounts that meet this inactivity threshold, the dormancy fee is ₱30 per month or $0.50 per month for USD-denominated accounts. For me, this five-year inactivity window is relatively long compared to some other institutions, which may implement such fees after just one year of inactivity. Nonetheless, I must stress the importance of monitoring account activity and understanding fee schedules, especially since regulatory oversight for PNB is currently absent—there is no regulation by the Bangko Sentral ng Pilipinas or other internationally recognized financial authorities. This lack of regulation elevates the importance of evaluating all possible charges independently before deciding to maintain significant balances or allow accounts to go inactive. Ultimately, if I were considering opening or maintaining an account with PNB, I would take careful note of this dormancy policy and weigh it within the broader context of fees and regulatory status, erring on the side of caution before making long-term decisions.