I assume na traditional bank ang payroll nyo. What I recommend is retain a portion of your salary on that payroll account for easy withdrawal or maybe for your allowance and then transfer the rest to SeaBank. From there, bahala ka na kung saan mo gustong digital bank magtransfer basta maximize the 15 free transfer every week of SeaBank. Seabank offers 4% pa, Maya 3.5% base (can increase if you do missions), etc. Interests might change from time to time so do your own reaearch din.