[MoreJoe]

I was born and raised in England and retaining a lot of my foundation I have grown up around the world and grown old in the USA. So please forgive any mixed use of language and terms.
Here in the USA the banks have gone from massive expansion to massive contraction and consolidation in about on decade.
In their consolidation they continue to push their basic work flow out and onto their customers. Slowly but surely they are moving away from the use of Checks or Cheques in favor of making all payments by electronic transfer. Preferably automatic transfer with all activities handled by their trusted (Hah?) computers.
They are trying to make me into a Bank Clerk, or Bank Teller, or whatever title they go by these days (Probably Third Assistant Vice President of Customer Interface?) Most of them could not give you correct change out of a tenner.

For my part I prefer not to add multiple entrances and exits to my finances each with a sign hang hanging over it saying "Help Yourself to Whatever You Want Whenever You Want".
If you dabble in this direction I recommend Dual Authentication on all transactions. Nothing comes in or out without me being notified on my phone and only then when I post a coded response approving every transaction.
It is a pain in the a$$ but the world is full of very smart thieves and if I cannot stop them at least I will try to make their lives difficult.
Flame off.
End of Rant.

-MoreJoe