I didn’t immediately grasp the value of keeping tabs on the bank account. I figured why go through all that math when the bank sends out a monthly statement.

Then I watched as my brother meticulously added and subtracted his deposits and withdrawals. Occasionally he caught our local bank in an error. Sometimes it was just pennies, but once, he discovered a real whopper.

My brother was like that; he always walked with his head down and found all sorts of coins and bills on the ground that most of us just pass by. At the beach, he trolled under the boardwalk looking for spare change to spend at the arcade. He never came back empty handed.

The day he found a $20 bill in the aisle of the neighborhood co-op was the day I resolved to be like him. I began to closely follow where every dollar went (and I, too, took to walking with my head down).

Eventually, such scrutiny becomes hard wired. To this day, I check in on my bank accounts religiously — made all the easier by the advent of online banking services. Of course, using those services makes me paranoid that I’m exposing myself to hackers who might siphon off my accounts. So I find myself checking even more frequently.

Lately, though, when I sign in, I don’t see my accounts right away. First, I have to run the gauntlet: Would I like to know my FICO score? Am I interested in a home equity line of credit? How about wealth management services?

I didn’t give the come-ons much thought until I happened to be chatting with a group of regional bank presidents at PNC Financial Services the other day. Michael N. Harreld, the leader of the bank’s Washington-area operations, said PNC expects this to be the first year when “non-branch channels” account for more than 50 percent of all bank transactions in this region.

That means people are not coming into branches like they once did, forcing the institution to dream up new ways to introduce customers to additional services. One idea: Borrow Amazon’s if-you-like-this-you-might-also-like-that online strategy.

I have no idea if such tactics will work. But it shows banks have their heads down, too, looking for money.