RE: I get why some don't have online banking, if having a bank account is ...

Yes, that's what I meant to say in fewer words 😅.
I used to say at my former employer, when I needed to run errands, that I don't wait in line for my personal errands, so I asked if I could "receive" the funds electronically and whatever's left, I'll transfer back to the account.

!ENGAGE 10