Not sure what you mean. There are numerous online banks that can operate country wide, and surely there is at least one of them that offer web banking without requiring an app?

I don't get why your parent was downvoted. If you live in the middle of nowhere without a cell phone, life is going to be tougher.

> If you live in the middle of nowhere without a cell phone, life is going to be tougher.

I think the issue is that it is becoming tougher than it was prior to the existence of smartphones for those without them.