When I get TU, I always put it directly in my bank unless I need it NOW. It gets kind of annoying having to constantly deposit money in the bank. I suggest a setting that would allow any money you collect to go straight to the bank, but if you didn't want to do that, then turn the setting off.
This would indeed make like simple-er. I would love to not have to open a new tab to make funds transfers. It would be nice if we could have something like a debit card, as well, that we could use to pay shops with funds in our bank.