Have you thought of opening an Electric Orange Account? It's a regular checking account (with a decent interest rate) that can link directly to your ING Savings accounts. This allows immediate transfers of cash to be available for ATM withdrawals or Debit purchases.
I direct deposit into the Electric Orange (because, since it's ING, there are no brick and mortar locations to drop your money off at). At the end of the month I transfer whatever is left into my Savings account to get the higher interest rate. But, I always keep a $500 cushion in the electric orange for unexpected charges, instead of reaching for the credit card.
Since you're always paying in full right away, you really aren't losing anything. It just might make it a little quicker/easier for you.
I've been using it for about a year now and love it. It may be a double-edged sword to some though, since the draw of the ING Savings account has been that you don't have immediate access to the funds, so it makes you less likely to touch it.
Just something to think about.