The US Government deposits my pension every month to my California bank account. I transfer money to my Philippine bank account using Xoom,com. Not only do they charge a fee, they also give an exchange rate of a couple pesos less than the current amount, resulting in a substantial amount every time I transfer. Is there a Bank in Manila that also has branches in the USA. I believe I could get my pension deposited into that bank and just use ATM for cash with no fees or depreciation of my funds ? ? ?