Indeed ATM card works faster and cheaper. My sister and I was using ATM for 2 years for our family in Talisay, Cebu. But it looks like we have problem when we start using ATM as they know that we can just send it online

\. It seems like my family have emergency almost every week aside from the money that we have sent every end of the month. Was not easy years for my sis & I, as sending money to our Family in Phil. is something that we do with our own not our husbands (hubby\'s expenses is for travelling hahaha!). I know not all family are like mine, they just abused their kind hearted, beautiful, loving daughters

(lol!). We just give it if they needed it. We love them too much & afraid to say no when it comes to money and hurt their feelings. We just made up excuses that the card will no longer work or else we ended up nothing with our hard work (including cleaning houses, babysitting, cashier & some computer work) Now, we\'re using again western union or in any money transfer agencies. We just send money once a month or every two months (as we told them western union is 4 Kms. From home). But ATM card is really good, transfer money faster than the blink of an eye.