Consequently CanadaOne and Sharon Wilks cannot warrant the effectiveness of any solutions presented in this response. There are smaller-scale, more independent banks that one might bank at in their hometown and not be able to find in a different state. Cheques are the preferred method of payment in the U.S. because there are several different ABM networks. Bank cards are not guaranteed to work in all banking machines. There isn't the same inter-connectedness there is here in Canada.
Bank failures are a lot more common in the United States.
This makes it feasible for one to bank at their own bank anywhere in the country. This, in turn, makes it easier for Canadians to bank electronically. ABMs and the use of debit cards are a lot more popular in Canada than they are in the United States. Banking systems are much more stable in Canada, as we haven't had a banking failure in some time. Before that, Home Bank was the last in 1923.