I am lucky enough to have a Banco Nacion account, and, even though it is a hassle to exchange dollars for pesos, then to deposit them, that hassle is well worth having all my utility bills paid automatically each month, and being able to transfer the amount of my expensas online from home. Banco Nacion has machines inside some branches that are NOT ATMs- they dont give cash, so there is never a line for them, that allow a deposit without a card- you just punch in your info, and feed in the cash. This is very simple, and no waiting, and while its more complicated than US or Euro banking procedures, its sure a lot easier than waiting in line at the rapipago window.