Well I'm with Tesco Bank and there are no stores near me that take cheques etc, so I have to freepost them to Edinburgh, fortunately that's rarely a problem these days as most payments or refunds are direct, I use internet banking a lot, most of my bills are standing order or direct debit, the only one that isn't is my monthly ground rent and electric as it varies in total, as soon as I get the bill I go to online banking and set up for the appropriate amount to be automatically be paid the day before rent day, it only takes a few minutes.
I have a few spreadsheets on my laptop that I keep up to date with my online accounts, along with all my other finances.