[chris11]

I really can't image using a brick and mortar store. I've used USAA all of my life, so I don't see any need to talk to a banker face to face. My father has bought several houses through them, and he has been able to do everything over the phone and at home. Any documents that need to be signed are 1-day fedexed. And local notaries are paid to come by and notarize docucments. So online banking is really convenient.