ACCOUNTAHOLICSPH

💰 𝗕𝗮𝗻𝗸 𝗠𝗮𝗱𝗲 𝗮 𝗠𝗶𝘀𝘁𝗮𝗸𝗲? 𝗬𝗼𝘂'𝗿𝗲 𝗡𝗼𝘁 𝘁𝗵𝗲 𝗣𝗿𝗼𝗯𝗹𝗲𝗺.

The Supreme Court just gave depositors a major win: 𝗯𝗮𝗻𝗸𝘀 𝗰𝗮𝗻'𝘁 𝗳𝗼𝗿𝗰𝗲 𝘆𝗼𝘂 𝘁𝗼 𝗿𝗲𝘁𝘂𝗿𝗻 𝗺𝗼𝗻𝗲𝘆 𝘁𝗵𝗲𝘆 𝗺𝗶𝘀𝘁𝗮𝗸𝗲𝗻𝗹𝘆 𝗿𝗲𝗹𝗲𝗮𝘀𝗲𝗱 𝗶𝗳 𝘁𝗵𝗲𝗶𝗿 𝗼𝘄𝗻 𝗻𝗲𝗴𝗹𝗶𝗴𝗲𝗻𝗰𝗲 𝗰𝗮𝘂𝘀𝗲𝗱 𝗶𝘁.

Here's what happened: A depositor withdrew ₱76,000 after her bank credited a check too early. The bank later demanded the money back and the SC said no.

W𝗵𝘆 𝗶𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀:

✅Banks must follow proper procedures and exercise "very high diligence"
✅If they mess up, they cover the loss, not you
✅You can withdraw in good faith if the bank made the money available

Got a question about your account or deposits? 𝗠𝗲𝘀𝘀𝗮𝗴𝗲 𝘂𝘀 w𝗲 𝗵𝗲𝗹𝗽 𝗦𝗠𝗘𝘀 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝘁𝗵𝗲𝗶𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁𝘀.

If you've ever spent a whole afternoon computing payroll, checked that everyone got paid, and assumed everything was compliant; this one's for you.

Here's the thing: paying your team on time is just the visible part. The compliance part lives in the withholding tax calculations, the remittance deadlines, the forms that have to match each other, the stuff nobody sees on a payslip.

We just walked through the five signs your payroll might not be fully compliant, even if nobody's complained and payday went smoothly. Plus, a quick self-assessment checklist, you can run today.

Read the full guide in the comment section below 👇

𝗪𝗼𝗿𝗸-𝗿𝗲𝗹𝗮𝘁𝗲𝗱 𝗶𝗻𝗷𝘂𝗿𝘆 𝗱𝘂𝗿𝗶𝗻𝗴 𝗯𝗮𝗱 𝘄𝗲𝗮𝘁𝗵𝗲𝗿? 𝗬𝗼𝘂'𝗿𝗲 𝗰𝗼𝘃𝗲𝗿𝗲𝗱! ⛈️

With the monsoon season in full swing, the Employees' Compensation (EC) Program wants workers to know: if you get hurt going to or from work due to bad weather slipping on wet streets, falling into an uncovered manhole, getting caught in heavy rain you're eligible for 𝗰𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀.

𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁'𝘀 𝗰𝗼𝘃𝗲𝗿𝗲𝗱:

✅Income replacement if you can't work
✅Medical reimbursement up to 60% of treatment costs
✅Doctor consultation expenses

H𝗼𝘄 𝘁𝗼 𝗳𝗶𝗹𝗲:
Private-sector workers → SSS app or local SSS office
Government workers → GSIS office
Self-employed → SSS app

Don't let a workplace injury derail your finances. Reach out if you have questions about your coverage we're here to help! 💪💬

#𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝗖𝗼𝗺𝗽𝗲𝗻𝘀𝗮𝘁𝗶𝗼𝗻 #𝗪𝗼𝗿𝗸𝗽𝗹𝗮𝗰𝗲𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 #𝗕𝗮𝗱𝗪𝗲𝗮𝘁𝗵𝗲𝗿𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 #𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝗦𝗠𝗘 #𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝗪𝗲𝗹𝗳𝗮𝗿𝗲

If Tropical Storm Maymay or Habagat affected you, the Social Security System (SSS) has emergency financial help available right now.

What you need to know:

✅Up to P20,000 in emergency loans for affected members
✅7% annual interest among the lowest available
✅6-month payment deferment no payments for 6 months after approval
✅30-month repayment period flexible, manageable payments after the grace period ends
✅No collateral required

𝗪𝗵𝗼 𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝘀? SSS members with at least 18 monthly contributions (6 posted in the last 12 months).

𝗔𝗳𝗳𝗲𝗰𝘁𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲 𝘀𝘁𝗼𝗿𝗺? Don't wait. Apply now through your nearest SSS branch or online. AccountaholicsPH is here to help you navigate your options if you need guidance.

𝗥𝗲𝗮𝗱𝘆 𝘁𝗼 𝗹𝗮𝘂𝗻𝗰𝗵 𝘆𝗼𝘂𝗿 𝗱𝗿𝗲𝗮𝗺 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀? The Small Business Corporation (SBCorp) is making it easier for young entrepreneurs. Here's what you need to know:

The Youth Enterprise Fund offers:

✅Loans from P30,000 to P500,000 no collateral required
✅Low interest rate of just 1% per month (diminishing balance)
✅Up to 3 years to repay, with a 1-year grace period
Open to entrepreneurs aged 18-30

𝗧𝗵𝗶𝗻𝗸 𝘆𝗼𝘂'𝗿𝗲 𝗿𝗲𝗮𝗱𝘆? Applications are now open through the SBCorp Money app. Learn the full eligibility requirements and next steps check out our full guide at the link below.

Capital is often the biggest hurdle for growing MSMEs and not having collateral makes it feel even harder. Good news: DTI's financing arm, SB Corp, runs several MSME loan programs, with loan amounts reaching up to ₱20 million for qualified borrowers.

Here's what to know:
✅Multiple programs available from micro loans to larger multi-purpose facilities
✅Some options (like purchase-order-based financing) don't require traditional collateral
✅Terms and eligibility vary a lot by program, so it pays to check which one fits

Not sure which SB Corp program actually applies to your business? Message us and we'll help you figure it out.💬

Your business is invited to use FREE AI tools and training. No strings attached.

The DTI just opened the first AI and Scale-Up Center in the Philippines and it's free for MSMEs and startups to use. Here's what you get:

✅Live AI demonstration spaces where you can see AI in action
✅Dedicated accelerator pods to test and develop your own AI solutions
✅Hands-on training on how to integrate AI into your daily operations
✅Networking and pitching opportunities with other entrepreneurs and industry leaders
✅Free workspace where you can co-work, co-create, and collaborate

𝗪𝗵𝘆 𝗶𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀: Most small business owners think AI is expensive or too complicated. This center proves otherwise. Whether you run a small retail shop, a food business, or a service-based company, you can walk in and learn how AI makes your operations faster and cheaper.

𝗪𝗵𝗲𝗿𝗲: DTI Filinvest Building, Makati City (expansions coming to regions soon)

Questions? Message us.💬

🚀 𝗡𝗲𝘄 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆: 𝗦𝗦𝗦 𝗗𝗶𝘀𝗸𝗮𝗿𝗧𝗲𝗰𝗵 𝗠𝗶𝗰𝗿𝗼𝗹𝗼𝗮𝗻𝘀 𝗳𝗼𝗿 𝗬𝗼𝘂𝗿 𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀

The Social Security System (SSS) just earmarked ₱2 billion to support RCBC's DiskarTech platform a new digital gateway for microloans designed for Gen Z and Gen X workers.

𝗪𝗵𝗮𝘁 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀:

✅Your employees can now access affordable microloans without leaving their phones
✅Faster loan processing through a digital-first platform
✅Builds financial literacy and emergency savings culture in your workplace

Who should know: HR managers, payroll officers, and any employer wanting to support employee financial wellness. Not a compliance mandate, but a tool worth sharing with your team.

Curious how this could work for your people? Drop us a message or visit the link below to learn more.

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🚨 Proposal alert: The House Ways and Means Committee is pushing to raise the tax-exempt ceiling on 13th month pay and other bonuses from ₱90,000 to ₱120,000 alongside a separate push to raise the general income tax exemption threshold.

What we know so far:

✅Still a proposal not yet law
✅Committee chair Rep. Miro Quimbo is targeting passage as early as August 2026
✅Earliest possible implementation: January 2027
✅Tied to the broader push (from PBGM's SONA call and House Bill 10345) to raise the income tax exemption from ₱250,000 to ₱350,000

Nothing to file yet, but worth watching if you run payroll. We'll keep you posted as this moves through Congress.

Update for NCR employers: the ₱85 daily wage hike is on hold for now.

A Pasig court issued a Temporary Restraining Order (TRO) on July 30, halting the implementation of NCR Wage Order No. 27. This affects the ₱60 first tranche that had already taken effect July 25 (raising the minimum wage from ₱695 to ₱755).

What this means for your payroll right now:

✅Minimum wage reverts to ₱695/day while the TRO is in effect
✅The TRO runs until August 13, 2026
✅A court hearing on August 3 could change things again

📌 Our advice: hold off on permanent payroll adjustments and watch this space: we'll flag any updates as soon as they land.