Even though he has a checking account (which he uses as if he lived in Mad Men days, actually still writing checks and mailing them for his bills. It drive me CRAZY and I'm trying to get him to use the internet or at least phone in payments more. He sometimes gets payments in late, because of the mail, and then we all suffer.)
He doesn't have a debit card, he doesn't even have an ATM card, which drives me crazy because with an ATM card, at least you can get cash in emergencies. He's always broke on Sunday Mornings, and has to whine until the bank window opens so he can get enough cash for Sunday and Monday. Like most Bohemians in Chicago, he visits his bank with more regularity than he visits his mother. He goes to the bank at least once a day, which I find a waste of time, and anxiety producing to boot. I just take out enough cash I think I'll need for the month and not go back. Sadly, (or not) most of my purchases are on credit cards. I stopped using cash a lot many years ago. As long as you pay your credit card bills every month and keep track of what you spend, it seems to work for me. I actually spend more with cash on hand, I do better with plastic.