I don't even have a local branch; I use Ally, which has no branches at all and is 100% online. I have no idea why anyone uses physical banks any more unless th

I don't even have a local branch; I use Ally, which has no branches at all and is 100% online. I have no idea why anyone uses physical banks any more unless they need to deposit cash or get cashiers checks. The online banks offer far higher interest rates and low/no fees.