What is the ruling on depositing money in usurious banks in a closed account that does not accrue interest, given the necessity to do so due to the unavailability of ATMs in Islamic banks, and the difficulty of withdrawing money from Islamic banks during official working hours?

Opening a current account in a usurious bank is forbidden (haram) due to the cooperation it entails in sin and transgression. An exception is made for cases of necessity, such as fear of money being stolen. The presence of an ATM in a usurious bank and its absence in an Islamic bank does not justify opening an account [in the usurious bank].