Getting ready to move and am concerned about increase in fraud and theft as it relates to ATM cards / credit cards. I prefer having my funds in a bank in the US, but with access in Philippines. My thought is this: once a month, at a bank, withdraw necessary funds to last entire month or at least most of it, assuming bank is secure. I realize that, depending on how much I withdraw, there would be a security issue involved with that much cash, however, the alternative would be the risk of using an ATM card on a regular basis and having someone steal everything. Any thoughts, advice, experiences anyone would like to share.