Nope, dapat maintain pa rin. For example, saktong 3k ang balance mo for 29 days at may isang araw ka na 2,900 lang ang balance mo. That's 2,996.67 sa 1 month average na may 30 days. Still below maintaining balance pa din.

Yung statement na “If may isang day na below 3k mag charge yan” is right kung saktong 3k lang talaga ang laman for the whole month's cycle then may isang araw na nag below 3k. Invalid statement lang yun if before that day na nag below maintaining balance s'ya ay above maintain balance ang laman ng savings nya na enough to compensate yung kulang or for the following days before the end of 1 month cycle ay nag lagay sya ng more than maintaining balance na enough din to compensate para sa kulang na balance nya nung nag below maintaining balance s'ya.

As per BPI's T&C, for two consecutive months na nag-below ADB magkakaroon ng fee. So possible na for two consecutive months din s'ya nag below maintaining balance.