Emails from potential scammers (IP address and specified city mismatch, I'm guessing) are flagged with a message warning of funds transfers.
There are many users using OKC world-wide which means that there are many people to contact on a daily basis.
Another thing, bank savings accounts are accessible — you can withdraw them anytime.
They also have maintaining balance requirements, and if you are not able to comply, instead of saving money, you lose 300 pesos to 500 pesos or more for each month you fall below the maintaining balance.
Your savings are guaranteed by the Philippine government. In April 2010, the annual interest rate for Modified Pag-ibig II was 5.5% — much higher than savings account rates that are usually between 0.5% to 1.75%. If you look at time deposits, rates range from only 1.75% for deposits of at least 10,000 pesos to 2.75% for at least 5 million pesos.
The Pag-ibig board can also declare an interest rate of more than 5.5%.
I even went over questions I wasn't sure of a second time.
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