At some point you'll need a cedula to have a bank account in this country. The banks are switching to the new rules pretty much at their own pace and without any sort of published timeline. Some banks will still open an account for you with just a passport, others won't. Sometimes you can find a branch within the same bank that will while other branches will not.
Regardless, at some point in time, you'll be contacted to produce a cedula if you wish to keep your account open. That could be next month or much further down the road, no one outside the govt and the individual banks really knows.