[superuser2]

There is very little reason to be tied into a particular bank these days. Why not switch to a more tech-literate one?

[Bartweiss]

Most recently, regional branches. I was living somewhere pretty limited in in-person options, but I may switch now that I'm not.

The other answer is loans. If you get a good rate on a mortgage through a tech-illiterate bank, you're pretty solidly locked in.

[superuser2]

There is no need to keep your checking where you have loans. I've also had success with running my main "hub" checking account out of an internet-only bank, with an account at a local credit union I use more rarely, when I need to do something in person.