There are many banks here and I have had accounts with quite a few of them, but they all seem to have a flaw that leads me to try another bank. My latest bank is PSBank which has a fantastic savings account where your ATM card is also a Mastercard which can be used online or anywhere Mastercard is accepted as well as at any ATM machine or anywhere debit cards are accepted. The problem with PSBank is the difficulty of getting online access. I have applied 3 times but you need to be sitting beside your PLDT landline at all time because they will try to call you and if they do not get a reply they will deny your application for an online account. Complaining has not helped me and I have tried sitting by the phone 23 hours a day but of course they call on that 24th hour, and you do not know in advance what day they will call, you have about a 3 to 5 day window there. Other banks have given me problems with ineptitude like RCBC Savings Bank sending a valid credit card, on my account, to my ex's family in the bukid of another province without my request or permission and apparently without her knowledge. That was the address she gave when we applied for our accounts (one for her and one for me as I don't do joint accounts) and they "Thought I would like it if they gave her a courtesy card". We would not have even known about it except that her relatives called her and said they had her credit card. Some banks, like Maybank, simply charge too much. And that is why they have no lineups. Their fees for everything you do is high, like 200 pesos to make a deposit from your PayPal. But I dislike Metrobank for the opposite reason as in there is always a line up and besides that, they are the same company as PSBank so I would expect similar problems. I loved the good old days of Bancnet where you only had to go to Bancnet.com to access your account online but it seems most, if not all, backs have their own online system now. So online account access is important to me. Low fees are important to me. Smart customer service is important to me. A Mastercard or Visa linked to my savings account is important to me. Has anyone found an 'ideal' bank that addresses all the issues?