Every bank offers digital banking as their primary way of reaching and offering services to their customers so it's hard to differentiate banks with offices and not but usually we shouldn't trust a random new bank with any amount, just go with the most reputed banks whether it's government or private entity as long as it's doing its job and a little more in the interest won't make any difference.
All banks certainly want to be able to provide their existing customers or filter out new ones with better facilities and innovation, including digitalization, which ultimately provides convenience for their customers. If you are in doubt about a bank, it to need be registered with the government or have obtained an operating permit. Of course, it can easily be detected if you want to look for information first before you want to become a customer.
Don't be tempted by the promise of prizes and high interest rates and other advantages, but they are not registered with the government.
Every banks operated in a country comes under the central bank regulations, and they are responsible to monitor every finance related service provider and certainly have to follow the frameworks of central bank. So possibility of fake Bank operated is very minimal but it doesn't mean the bank is completely risk free, bank can set their own TOS where all the risk factors will be buried in a way no customer can look into and when there is crisis situation comes for bank they will just hide under their terms that we agreed to.