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.