Its 2000p minimum to get an ATM account and the back his you for fees if you drop below that amount and as such most people don't own a bank account.
It's like having a minimum of one to two weeks pay.
We had to establish a savings account for six months before we could open a check account. Lots of people are in orange jump suits for check fraud so you need a good relationship with a business before they will take checks.
My wife's last name is reference enough in kabankalan and cauayan.
Almost nobody is set up for credit cards or EFT-POS. The capitol one card is only good in malls and chain stores