I almost have problems with my UnionBank EON Cybercard because I  forgot to pay the annual fee, but the good thing nowadays is that everything is automated, convenient and electronic (meaning it will be automatically deducted to your account).

I use to have BPI savings account ATM, which have very powerful features of online banking. Eon Cybercard have these too but I think still in infancy period. I dropped BPI since last year for some reason…