It is not mandatory to use a layer only for interaction with the database. It's a lot of the project you're developing.
For example, if you are building a simple application, a To-Do List or a project with very few tables or entities, and you or someone sure will not need to include new features in the future, I do not see that it is necessary to waste time with the data layer.
On the other hand, if your project has the potential to grow (include new features, frequent changes, among others) I recommend to look fondly at the beginning of the project in a layer of repositories for your application, just to isolate the logic of the business the implementation of the bank. This will bring much more ease to evolve your application.