am wondering why you people still go to the branches whereas you can transact via online naman for transfers and bills payment, siguro naman kung marunong ka mag-post sa forum na ito marunong ka mag-enroll sa EOL nila, they also have plenty of ATM sites here in Makati if you work here so why not just withdraw thru the ATM, you can also make deposits thru ATM if you're not familiar yet kasi i find it very funny yung post ng isa na nag-wait sya ng 45 mins just to deposit his check, di kaya nya naisip na sana sa ATM na lang nya ginawa yung deposit...sabi nga ng friend ko na officer ng BPI na kung sino pa yung wala namang pera sila pa yung demanding...oops sorry kung may tinamaan : )