I suppose anything is possible in Russia, but I have not yet heard of anyone receiving a paycheck in Russia. Also I have never met anyone with a checkbook. I very recently received a message from a young friend who left Russia to do a post-doc at an American university. The first two things mentioned that required getting used to were closets and checks.
Ok, now you have got me intrigued. I understand about living without a bank account - but what do they use instead of closets?
The distinction that I am familiar with is that a closet is built into the structure. It is not furniture. You do not take it with you when you move. A шкаф (cupboard, wardrobe, etc.) is a unit that you can take with you when you move, just like beds, sofas, chairs, etc. In fact, I have disassembled, moved, and reassembled several such storage units in 20+ years living in Russia.
I am getting a lot of fitted wardrobes. Are you making the distinction that a closet would have to be something that you can walk into?
(I would include anything that is built-in in the definition.)
I think that would be more like у города есть банк, "the city has a bank."
I know I've been told in previous Duolingo lessons that town was an unacceptable translation of город.
Same with me, it always had to be "city". More DuoLingo duality, and never an explanation!
It's getting common in the UK......online banking and cash machines are killing actual banks