BDO vs Citibank

This comparison is just based on my experience.I had a Citibank Payroll before and currently a Citibank Credit Cards. I also currently have a BDO ATM Debit Card.

Online Registration:

Citibank: Everything is done online, no hassle.

BDO: After filling out a form online, you need to print out a copy and bring it to any BDO branch. Urgh! (And take note they don't have a form if you visit a BDO bank. You are require to fill out the form online submit it and then print out a copy and then go to the nearest BDO)

Password:

Citibank: Fix password which you can change anytime. They have 3 security questions which is asked randomly when you login.

BDO: Requires renewal of password every few months. I find this not good. Because of this my account got locked up and I was not able to reset it online. I need to call customer service and wait for a very very long queue.

Online Support:

Citibank: On your account when you login, you can send an email to their customer service for support. Since you are login they already know you account details.

BDO: The email on your account are just update from BDO. They have do have an email address for their customer service but is not built in to your account.

Phone Support:

Citibank. Shorter wait time compare to BDO. People are pleasant and nice to talk with.

BDO: Aside from the long queue, the customer rep sounds sleepy and not really willing to help.

What I like about BDO is their hours of operation and is accessible in all SM Malls.

With Citibank you can withdraw on any ATM with no charge.

With BDO if you made a deposit to your account on a different branch, they charge you P50.

Feel free to share your experience with these banks , either good or bad.