re: Anybody still use a brick and mortar bank in 2018?

Yes, because I get 3% on my checking balance on the 1st $20,000, then 0.9% on anything over that, as long as I use direct deposit and 20 debit card transactions (credit union). Also, it helps having a personal relationship with the loan officer.

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Also, vault services (aka safe deposit box). They aren't as common anymore but are still around.

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I’ve had one for 30 years and don’t see why most people don’t. In house fire safe will work but I’m not crazy about a safe in the house.

Will, birth certificates, original documents, funeral instructions etc... for $40 a year it’s worth it.

And yes I still use 2 bricks and mortar banks.

Love these threads.

What size you use for that?

I just went 4 years with no brick a mortar banks with who I banked with within 300 miles of me. Only time it was annoying was my first paycheck and they didn't have direct deposit set up yet. I had to mail the check cross country overnight to be deposited.

Oh and now that there are some around, I just got a cashiers check from one.

How do you ballas take out a bunch of hunnits? That's the only reason I can see for stepping into a bank.

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And I guess if your balance is small the interest difference is small, so if you're poor you might not care too much. Is that what you're saying?

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If you believe wealthy people keep enough money in a DDA account to make them care about a 1% difference in return, then you’re definitely not wealthy.

I've been in business myself for almost 3 years and get paid in cash a lot. So yes I still use a bank.

I am head of our Online Banking Department at a community bank that has 7 branches. There are still brick and mortar buildings because the baby boomers don’t even know what an address bar is to go to the website. They just rely on Google and get frustrated when they can’t find it. They want to be technologically savvy and try I give them that.

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I still get a paper check with no option of direct deposit. I go deposit it and get a couple hundred back as cash every Friday. I hit the drive through and then go grab something good good for lunch so it’s not a big inconvenience. I have done the mobile deposit with my phone a few times though.

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Mobile deposit FTW.