I haven't read the first post yet, last page agad, anyway share ko lang ways and means ko:

I have BPI & PSBank account pero none of them are flexible to transfer to another bank.

I'm currently using Union Bank's EON Cyber account and i'd been using it for the last 6 years and so far satisfied naman ako, exept if transfers are made to "BPI" which seems to have problems & more than usual delays. I used to transfer effectively to other banks than Union Bank pero I advised my other recepients to apply for an EON account online para real time ang transfer. So I'm transfering funds realtime now to people around the country while my remaining funds gains interest (mailiit nga lang like other regular savings), no receiving fees, interbranch fees, no minimum balance required. The only fee they charge is yearly membership fee, 350 or 450.
If in-coming additional funds to my EON account is from abroad wala namang mga additional charges.

Hope this helps to others out there.