I can transfer money in seconds using my mobile phone. Few minute job.
Or
I use my petrol. Potentially pay for parking. Walk to the branch. Queue. Identify myself. Give them the details where I want the money to go. Go home. All of which has to be done on a Saturday morning only, as the branch isn't open after I finish work. An hour or two job which can only be done on one day of the week.
It's quite obvious which one is better for me.