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I'm still with a credit union I started with forty years ago, when I got my first job at 16, and was getting a hard copy paycheck. Between military service, and retirement follow-on life in a different state, I haven't been in a branch in about 30 years. Current and retirement pay is Direct Deposit; paper checks were deposited by mail, now by phone app, taking a picture. Loans have been applied for by phone and website. Cash deposits and withdrawals are handled at the closest free ATM.

I signed on with one of the first Internet-only banks, ING Direct, because it looked like a neat idea and I wanted to test-drive it. ING Direct has since been acquired by Capital One. I've been with that for at least 20 years, and have had zero issues where I would need to visit a branch, or even speak with someone on the phone. ATMs, website, and phone app handles all transactions.

On those rare occasions where I have more cash on hand than I would normally have, it gets taken care of by a trip to the grocery store for a few items, and change goes in the self-checkout register (doesn't cost anything like CoinStar does).