In my country, bank transfers with vendor is usually done via QR code scanning which isn’t supported on the site. The flow for the site would required adding the vendor (even for a one-time transaction) to your bank contact list, manually inputting all of the account numbers/phone/email, then going back & selecting it—something no vendor wants to wait on. If you haven’t done it in 20 minutes, you will be logged out with no cancel logout pop-up & paste has been disabled for … ‘security’?

Honestly can't recall the last time I've had to deposit a cheque.

Largely this isn’t possible for e-commerce. Some might say it’s just convenience, bun there are a lot of goods only reasonably available online.