I'm out in the boonies. I've had a WF account for 23 years. There's not a branch within 50 miles, and their "updated" mobile app just wasted 30 minutes of my time and still wouldn't deposit my check. I guess the great outdoors on a sunny day isn't bright enough for their software.

Changing will be a PITA since everything is set up as autopay, but I'm fed up enough to start. I'm thinking about an internet only bank. We use one for long term savings and they are slow to make transfers, but everything else is easy. Anyone else done this, ditched the bricks & mortar? Pros & cons?

While I have an online bank account as well, brick & mortar banks really do come in handy from time to time. For example, every few months I get a paper check and it is easier to just swing by the bank when I visit the grocery story right next to the bank. Also, when selling stuff at a farmers market, I needed lots of small bills, and at least around me the ATMs only give $20s. Finally, banks are my preferred place to do bigger Craigslist transactions.

Anne,

I've enjoyed using credit unions ever since working for a couple of years at the U. of Utah in SLC and opening my first account there. Don't know if you would be eligible for membership at the one shown below, but may be worth checking out: (If you click on the photo it will enlarge for reading.)

I use E*Trade for stocks, retirement, and general banking. Since they are set up as an online bank, they cater to that very well. For example, the debit card is easy to use many places without fees - they don't have their own network to try to keep you locked into. Their online bill pay is also first rate..