The major reason why I always transfer my govt funded living allowance for grad school from Landbank to BPI is the lack of immediate access to the funds. 1. I’ve been waiting for months for my iAccess login info to be approved and it’s still not happening. 2. Their ATMs are always out of order. OTC withdrawals are stressful with the super long queues unlike BPI that has a BEA. 3. I want my BPI savings account to be very active so I can get benefits for my credit card.