Dr. Michio Kaku's ...
Given that it is one of his favorite episodes, Doctor Kaku doesn't seem to remember "The Neutral Zone" very well. In that episode no one was mystified by money, the no money thing was in First Contact eight and a half years later. There wasn't a single mention of a non-existence of money in that particular episode.
The same with the existence of banks, we know that the Bolians (debatably a Federation Member) have banking institutions.