I like what your saying just giving answers to what I do compared to your situation.
I use a debit card.
I've never waited that long in my life again debit go to ATM to withdraw or deposit.
I understand things are different everywhere when it comes to banking but in the US it's kinds convenient.
I'd use the debit card, if it did not limit me to 25,000 PHP per transaction. The account where I was getting the money from did not have a debit card though.
The ATM machines in my country have limits, unfortunately.