hi we are having problems with our joint bank account at Metrobank. Specifically, it does not give every account holder of a joint account independent access for online banking. So only one account holder in a joint account can access the account online, which I find very inconvenient, since one account holder may be overseas or unavailable, and the other cannot log on the account to check bills or make transfers. So a bank that can give each account holder in a joint account a separate set of log on credentials would be great.
Apart from that, a bank that does not have a high fee for sending or receiving money overseas would be an advantage. Maybe 5 USD per transaction is the highest fee I think is reasonable. Both myself and my spouse are foreigners retired in the Philippines. Any recommendations?