I've recently been a fan of internet banking. The hassles of withdrawing money from the atm, carrying cash and the endless hours of falling in line just to pay my bills are all wiped away by the miracle that is internet banking.
Online purchases are much faster, easier and hassle free.
You can even enroll a separate account for money transfer.
All your money related transactions can be done anywhere as long as you are connected.
I can almost envision a cashless society where "holdups" are a thing of the past (and wallets and purses too).
For BDO users, here is the link: BDO Internet Banking