It wouldn't be so much of an individual problem, AFA online banking...but even though you might not do the online banking, all the banks do online everything.
So they probably wouldn't even be able to conduct business at their local branches, because they wouldn't have any internet.
Heck...even if you had a safe-deposit box with money in it...I bet the main safe wouldn't open if there was no power or internet connectivity...?
During the shutdowns...my local bank was closed completely...and I couldn't access my safe-deposit box without making an appointment to have someone come open the bank just to let me in. With the virus, the internet actually saved us in many ways. Imagine if we had the virus situation and no internet.
All that aside, I'm can survive...plenty of dry/canned goods, lots of toilet paper...
...some cash on hand for basics...and most importantly, a good amount of "zombie suppression" and "attitude adjustment resources, if you get my meaning...because with any serious power grid/internet crash, the biggest problem will be all the people who are totally unprepared. It could get pretty rough.
People think the shutdowns were bad...?...meanwhile they sat home watched TV, called for take-out, and played with their phones and their video games all day.
A serious infrastructure shutdown would bring them to their knees, in tears...and those are the zombies to be concerned about. People in the cities would have it the worst.