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I am a regular visitor to Cebu. Would like to start a bank account and put some money in the CD which pays a nice interest. I recall from a conversation with an foreigner in cebu you need to put in the equivalent of $10,000 to 12,000 for a few years. Yes? What ID is required? Best Bank? Risk of loosing money? Can I do this as a visitor? Pros and cons comments appreciated. Lorenz