Beware on the usage of the ATM. Some of these ppl who work overseas come back and open a savings account and get an ATM card and pass it to the wife or the kids to use it.

Some of the ppl have several such accounts and they used these accounts for them to send monies back from overseas. Some banks will bar you from using your ATM card if it is inactive for more than one year and you can only activate the account by being present at the bank to activate it again.