Pera sa bangko ng empleyado, bawal alamin ng amo

ni Atty. Persida Rueda-Acosta @Magtanong Kay Attorney | June 27, 2023

Dear Chief Acosta,

Maaari bang malaman ng aking pinapasukang kumpanya ang nilalaman ng mga personal na bank accounts ko kahit na hindi ako magbigay ng pahintulot sa kanila? – John

Dear John,

Para sa iyong kaalaman, ayon sa Seksyon 2 at 3 ng Republic Act No. 1405, o mas kilala bilang “An Act Prohibiting Disclosure of or Inquiry Into, Deposits With Any Banking Institution And Providing Penalty Therefor,” ang mga account sa bangko ay confidential at hindi maaaring ipaalam sa iba ng walang pahintulot ng may-ari ng account. Ayon sa nasabing batas:

“SECTION 2. All deposits of whatever nature with banks or banking institutions in the Philippines including investments in bonds issued by the Government of the Philippines, its political subdivisions and its instrumentalities, are hereby considered as of an absolutely confidential nature and may not be examined, inquired or looked into by any person, government official, bureau or office, except upon written permission of the depositor, or in cases of impeachment, or upon order of a competent court in cases of bribery or dereliction of duty of public officials, or in cases where the money deposited or invested is the subject matter of the litigation.

SECTION 3. It shall be unlawful for any official or employee of a banking institution to disclose to any person other than those mentioned in Section two hereof any information concerning said deposits.”

Samakatuwid, kung walang pahintulot mo o ng korte, hindi maaaring malaman ng ibang tao ang nilalaman ng iyong bank accounts, kabilang na rito ang iyong employer. Ang sinumang lalabag sa naturang batas ay maaaring makulong o pagmultahin ayon sa Seksyon 5 ng parehong batas na nagsasaad na:

“Section 5. Any violation of this law will subject offender upon conviction, to an imprisonment of not more than five years or a fine of not more than twenty thousand pesos or both, in the discretion of the court.”

Sana ay nabigyan namin ng linaw ang iyong katanungan. Ang payong aming ibinigay ay base lamang sa mga impormasyon na iyong inilahad at maaaring magbago kung mababawasan o madaragdagan ang mga detalye ng iyong salaysay.

Maraming salamat sa iyong patuloy na pagtitiwala.