What banking services do these people need? Most banks offer mobile check deposit, and many offer a wide network of fee-free ATMs. Most of these ATMs don't take

What banking services do these people need? Most banks offer mobile check deposit, and many offer a wide network of fee-free ATMs. Most of these ATMs don't take deposits, so that may be an issue for those who need it. I use Ally Bank and they offer $10 reimbursement for ATM fees every month and they have a wide network of fee-free ATMs (at most 7-11s and a few other common stores). If you look harder, you can find accounts without any limits (e.g. Charles Schwab), and many credit unions support deposits in co-op ATMs (probably not helpful if there aren't any in rural towns). The only reason I go to banks is to withdraw cash in specific denominations for paying our baby sitter, but you can usually get the same thing if you ask nicely at a grocery store. I don't see much of a reason why people need physical banks anymore. Withdrawals can happen with an ATM, deposits can happen in mobile or mail, and loans are increasingly available online. The only thing I can think of is business owners needing to make deposits and withdrawals frequently.