What is the ruling on dealing with a usurious bank due to dire necessity, in order to facilitate receiving funds from online work, knowing that Islamic alternatives exist but are more difficult in terms of procedures, fees, and time taken to receive funds?

It is not permissible to deal with usurious banks unless there is a legitimate need. With the availability of Islamic alternatives, the need is negated. However, the speed of access to the funds and the absence of a commission in the usurious bank, compared to its presence and the delay in receiving funds in Islamic banks, might be considered a legitimate need.

If the account and card do not involve any usurious conditions, then it is not obligatory to close it. However, funds should be withdrawn from it as soon as they are available, to prevent the bank from utilizing them in prohibited transactions. Nevertheless, the more pious and better option is to avoid these banks entirely.