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  • Mechelle is a foreigner who recently stayed in the Philippines.
  • One morning, she plans to go to a bank to inquire to open an online account.
  • While boarding on a bus towards the bank, a new male passenger boarded the bus and asked if it could sit next to her.
  • Hello yes of course. By the way, I'm Mechelle.
  • Hi good day, I'm Niño. May I sit next to you?
  • I will also open an account but I don't know what kind of bank is better.
  • Where are you going?
  • It is better to open an account with universal and commercial banks because they provide the widest range of financial services for individuals and businesses. Customers can deposit money, pay bills, send and receive remittances, invest, get a credit card, borrow money, and more.
  • I'm going to the bank to open a savings account. Where are you heading too?
  • Many thanks for the information about commercial bank Niño and lets go ahead.
  • Do Commercial banks allow customers to transact through physical locations and ATMs all over the country even some banks have overseas branches?
  • You are welcome Mechelle and we can open an account with them together.
  • Yes and these banks also have online and mobile banking channels for their customers’ convenience.
  • When they reach their destination, they immediately go to the bank they are going to, to open an online account for themselves.
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