It depends what you do with the account, to answer your question about BPI, who I bank with -- yes, you'll see a lot of the same things there although I'm not sure about charges. Bank accounts tend to be tied to a branch and you need to go there to do certain things.
However, I can do almost everything on-line or from an ATM with BPI. I pay all my bills on-line and transfer money between my saving and current BPI accounts on-line too. The only time I need to go to the bank is to transfer money abroad (also required to transfer to a non-BPI account in the Philippines). I'm reasonably sure you have to do that at the branch that holds the account, I think other branches can do it, but you may have issues because they can't verify the amount that's in your account first.
For things like large cash withdraws you can use any branch and I've never been charged.
You can also consider BPI Direct, which is completely on-line but with a 'branch of convenience' for when you need to access services that are not available on-line:
Being a virtual bank, BPI Direct does not have any brick and mortar branch. We operate online and over the phone. However, we are also supported by the branches of BPI. Like when you opened your BPI Direct account, you were requested to nominate your Branch of convenience. This is the branch where you will present your identification papers, sign your account opening documents and pick-up your BPI Direct Express Teller ATM Card. This branch will also service your over-the-counter transactions like deposits and withdrawals when amounts exceed the ATM withdrawal limits.
It's not clear if you can change your 'branch of convenience'.
As pinoyyid says in the other answer, much of the red tape is required by law and the central bank. I'm not sure if that's what imposes the restrictions on inter-branch account access.
I have to use BPI as that's where my salary gets paid (and I have to use a specific branch). If I didn't, or was looking to open another account elsewhere, I'd consider either HSBC or Citibank, probably the later purely because they have a large office nearby.