This question was already solved before on our local board, i remember that you do no need an ATM to withdraw your money from coins.ph you only need a security pin to get your money. But mate there are many commercial banks you can used to withdraw your fund in bitcoin and its less hassle do not pick the complicated option, me i used BDO or BPI since i have account on these two commercial bank it is very easy for me but if i really badly needed cash i used remittance center (specifically cebuana) it much faster to confirm your transaction.