I guess we're limiting our discussion to digitization (so we can ignore any accessible issues with digital-only services). The obvious thing that comes to mind

I guess we're limiting our discussion to digitization (so we can ignore any accessible issues with digital-only services). The obvious thing that comes to mind is getting issues resolved immediately, e.g. debit card replacement (which is why I used their video teller machine). I've also gone to the bank for cashier's order (not sure why these can't be ordered online, but again, this could be time sensitive). And I go there occasionally to get large stacks of $2 for tips. I also do currency exchange in person (though not from a bank, bad rates, but I think it generally answers the "why do we need physical locations")