Do banks exist?

It makes sense that they would exist, and PCs just carry Cred Sticks because they can't get to their bank. Though reading makes it out like everyone just carries a Cred Stick with all their cash on it.

And with backgrounds like Doctor and starting Credits being 150, I'm thinking the rest of the Net Worth is in a Bank Account somewhere. Or all PCs with lucrative Backgrounds have gone through a level of tragedy that left them basically destitute.