I work at a bank and NEVER have cash! Some ask how can that be, grabbing cash while at work is so easy, this is true but it is also never on my mind. Think about it, my payroll is directly deposited into my checking account, I automatically have transfers set up to move money to savings, I use online bill pay to pay my bills and my debit card to make purchases. When do I ever have a need for cash? Well, most times I don’t, but there always seems to be times where I need to pay someone back but don’t have the cash on hand to do so.