You should check first if your bank account (e.g. BDO, Metrobank, BPI, LandBank, etc.) is still active. It will become DORMANT if no deposit or withdrawal or any transaction has been done in two (2) years. Check it first if it's still ACTIVE. If it's DORMANT and have negative balance, it's better to open a NEW ACCOUNT to avoid the charges that cause the negative balance of your bank account.
