What is the ruling on receiving monthly wages through usurious banks that charge annual fees for their services and checks?

If a Muslim is compelled to open an account in an interest-based bank due to their employer, and they are unable to avoid it without incurring a significant, religiously recognized harm, then there is no blame upon them. However, they must not keep any money in this account, and if any usurious interest is accrued, it must be disposed of by spending it on the welfare of Muslims or by giving it as charity to the poor and needy.