to create additional bank type accounts in the chart of accounts, you might need one for cash, for barter, paypal, etc etc

and it is up to you whether you enable them for online access or not

Resolution for 'add bank issue: 'what the benefit of add bank and for what it use' available: Yes.

The add bank issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the add bank issue yourself by looking for a resolution described in the article. If it is a complex add bank issue or you are unable to solve the issue, you may contact us by clicking here or by using other add bank support options.

For more information about resolving issues related to add bank in Quickbooks/QBO or to get support for the issue 'what the benefit of add bank and for what it use', click the link below: