In over 700 selling transactions,only ever had one buyer short change me by a whole 50c & I believe it was an honest mistake.

As Dylan said,it can be a pain having to check your bank account especially if buyer doesn't go through checkout as you don't know that they're going to pay with bank deposit.

I had weeks where nearly 100% of buyers paid with bank deposit & other weeks where no one did.

I would always offer it as many people still use it for whatever reason.