A lot of people have gone to online banking (example: SoFi). I tell my kids to have an account at the nearest or most convenient credit union for when they need it (coins, safety deposit box, some CDs or car loans – maybe…etc).
Yeah I can’t think of a single reason I’d want to go to a bank even if I could, mine (CapOne) has a single MN location in St. Cloud I think and is mostly online. Safety deposit boxes is one thing though, I suppose, if you need/want one. I don’t have one and not sure what I’d even put in it.
Most of my previous loans have been through credit unions (Wings & Affinity mostly) without me having an existing account there, you can still rate shop and open an account with $5 or whatever they require if you go with them and don’t need to do it person.
CapOne, and other “online” banks, have much higher interest rates than the big banks and higher than most local credit unions for checking & savings. CD rates look the same with a quick comparison to Affinity.
Coinstar has no fees if you get a gift certificate instead of cash. You can get Amazon, Home Depot, or several others. I barely use cash though and probably have 1, maybe 2, coin exchanges left in my lifetime