> The decision will be predicated on whether I can do everything in person.

I don't want to do everything in person. It's frankly amazing that I can deposit a check on my phone, from my home, and don't have to go to a bank branch to deposit it anymore. For close to 20 years now, my primary banking has been through banks that don't have a physical presence at all, let alone in my city. And I don't mind it that way at all; in fact I like it, because these banks focus harder on making things more convenient for me.

Your attitude here seems to be that if other people's preferred method for doing something doesn't conform to your preferred method, then the other people must be wrong somehow. That's not a reasonable way to be looking at this.

My credit union still offers walk-in or drive-thru in-person service for everything.