Hello,
Ok there is some misunderstood from my side, the bank transfer create an order and store it in your define order status define in his specific settings, and when Customer click on finish it automatically clean the cart and mute it in created order (understand state of waiting till you received the bank transfer).
Note : that your customer can access his order created with Bank transfer, in his user account :
And so basically from my point of view everything is quite normal and works as expected, now as it's clear that don't match your needs can you precise them, to see if we can suggest another way to config your website or another payment plugin.
Regards