AVOID FEES

Are you using your own bank's ATM services? If not, then you are wasting money. Bank charges about P9.50 to P11.00 for non-bank transactions on their ATM machines. It may be small but it will still add up. So if you're planning to open an ATM account, try to check first if the bank has a lot of ATM machines strategically situated wherein you can access it easier, in a secure place, and can be used anytime of the day. The most annoying thing that can happen is being prompted by a "MACHINE UNAVAILABLE" message on the ATM screen.