Bank Accounts are just fine if you choose a Credit Union, it is virtually IMPOSSIBLE to transfer Money OUT of MY Credit Union without Physically walking in and filling out a bunch of papers.
Maybe, but as long as your credit union uses computers, your personal information is in them and vulnerable to being stolen.
How do you pay your bills?
I have a B of A account. When my Amex bill arrives, I log onto my B of A account and schedule a payment of the full amount on the due date several weeks into the future. Just keystrokes and clicks. Works every time. Puts the USPS out of business (or reduces them to littering my mailbox with ValuePaks).
What's the use of a bank account if not to make payments?