I've lived a few states away from my credit union for well over a decade now. In that time, there've been maybe two times where it might've been more convenient

I've lived a few states away from my credit union for well over a decade now. In that time, there've been maybe two times where it might've been more convenient had I been able to physically go to the bank. I'm not convinced that the brick and mortar banks offer any compelling advantages over virtual ones.