I’ve been using BPI Express Online for more than a couple of years already and so far I’ve been content with it. Most of my routinary financial transactions I do through it — like paying utility bills, transferring funds to my checking account and reloading my prepaid phone. I can’t really say it’s the best out there since the only other service I’ve tried is UCPB’s. However, it does offer a lot of convenience for my purposes. The only time I really go to the bank these days is when I have to deposit funds.
The most convenient part of the service though is that it is accessible through WAP/GPRS. I can easily check if I have enough cash on the ATM card that I usually carry and then transfer funds to it if need be. Thus, when going to the ATM machine all I really need to do is withdraw the cash instead of checking the balance first, which is usually what stalls the lines, especially on a payday.
What’s your online banking story?