I have considered not having a bank account for a little while. I know it's possible because when I went through my divorce I didn't have one for almost a year but I also know that they can be a convenience too. I recently had trouble with customer service a National Bank so if I do open another it will be with a local bank where customer service is handled on a personal level. If I don't open another bank account I will use a combination of money orders and prepaid debit cards to pay my bills. I actually was more aware of my spending when I didn't have a bank account. Even a debit card can seem like magic if you don't watch it well.