it would depend on what kind of banking product you want to:
for ATM - so far, BDO & unionbank are the best... worst - BPI kay naa ubang ATM machine dili mo luwa of P 100... naa uban P 500 & P 1000 ra pwede iluwa sa ATM...
savings passbook - BPI, BDO, and chinabank are the best... so far, wala pa ko nakit-an nga worse in terms of savings passbook...
checking accounts - pwede ra bisan unsa nga check basta ayaw lang ang rural banks... rural banks could be the worst coz wala klaro ang ilang mga checks...
and finally sa credit card - citibank is the best...