I don't know if this is a nationwide phenomena, but here in Urdaneta, whenever payday (the 15th or 30th of the month) comes around, majority of the automated teller machines in the city are either offline or unable to dispense cash.

It doesn't matter whether I go very early in the morning or after lunch or late in the afternoon, most of the time I cannot withdraw funds from the machine on these days.

Sa akin medyo okay lang dahil may reserve fund pa ako, pero paano naman yung mga minimum wage earner na sweldo lang talaga ang inaasahan nila para sa mga araw-araw na gastusin? I was just wondering if this situation also occurs in other cities around the country. If so, is there no reulatory body that we as depositors can approach to air our grievances?

I know that ATMs were put up as a "convenience" to depositors, and as such, it might be unreasonable to demand that they be in service 24/7, but the timing of their downtime leaves much to be desired.