– No to both. BPI Express Cash cards are practically like load wallets more than debit cards since they don’t rely on an international union like Visa or MasterCard in order to function as an international debit card. They are dependent on other accounts to load new content into it. The UnionBank Eon is interesting since it is in fact a savings account. UnionBank is marketing it as a “CyberAccount” given that it’s not tied to any particular branch and you do your transactions mostly online or over the phone. 4. How is the UnionBank Eon CyberAccount different from regular savings accounts? – One, it doesn’t have a maintaining balance. While it promises higher interest, you cannot earn interest unless you maintain an Average Daily Balance (ADB) of Php10,000. After that it only earns 0.5% interest per annum. Also, it requires a Php350.00 annual fee to cover related expenses for it being a Visa Electron card. You can also issue “CyberChecks” which do not require you to own a checkbook and