You are way overthinking it. All of my banking for the past 40 or more years has been by phone, Mail, or online with our Credit Union.....which is in a ciy I left in 1974 and have never lived in since. I’ve been a USAA member for 48 years, and started some banking with them in 1990, yet have never been to a physical bank. We’ve bought homes, cars, boats, etc remotely all these years. We get cash, when needed, at local bank atms, and usaa reimburses the fees to us. Now we’ve been full-time RVers for 6 years (no home base) and still no issues. I see no reason to worry in these days about a physical bank.