Employee with Bank Account but no Payment Method Report

Summary:

I have a report that picks up all employees that do not have a bank account and a payment method active, but how do I pick up employees that have a bank account but not a payment method set up.

Content (please ensure you mask any confidential information):

The report is currently using a set operator of Minus and this picks up all employees that do not have a bank account.

I don't know too much about the sql tables and how they are joined around the bank details and payment method.

I am currently using OTBI subject area of Personal Payment Methods Real Time.