Ako sis I opened an account for my baby pero CIMB bank, it's a digital bank pero kapag naka accumulate kang atleast 5k may option na pwede kang makakuha ng ATM card for free. Mas mataas din annual fee, I think ngayon 3-4% sya compared to other banks. Easy lang din maglagay ng pera, u can even transfer using gcash without paying an addl fee. 😁