Gaano ka reliable ang PDIC? guaranteed ba safety ng account na covered (500k php)

Hi mga fellow bankers. Tanong ko lang sana if gaano ka reliable ang pdic when it comes to protecting our assets. I have plans kasi to lock in atleast 500k each sa ownbank seabank and gotyme.. But being new sa digital banks, im quite hesitant, first dahil walang physical banks ung digital banks compared to traditional ones. Thanks sa upcoming tips.