i think its better if you can go first to cebu city then take cebu pacific going directly to siargao island.
There is a bank in dapa municipality near the municipality of Gen. Luna just a thirty minute jeepney ride.
There is also a five star resort (pansukian) where you dont need a mosquitero.
Fondest memory: the fine white powdery beaches plus the perfect hollow or cloud 9
Favorite thing: Best to deal with the local fishermen when you want to schedule your Island Hopping. They will offer you the 3-islands tour for only Php1,000 for the whole boat (doesnt matter if 10 of you are coming). When you book with resorts/hotels, they will tend to over-charge. Better talk to the local fishermen ;p
Favorite thing: If you are on a tight budget but is so into Sufing, avoid renting boards near Cloud 9 because shops there charge BY THE HOUR and not on a per-day basis. Better to go to J-Spot, board rentals cost 300/per day but when surf season comes it goes up to 500/per day (still cheap though compared to paying on an hourly basis).