We have an account with a regional bank that has excellent online banking, plus two credit union accounts, one in upstate New York and one in Virginia. They also have excellent online banking and we've never set foot in either one of them. The last time I was in one of our regional bank's locations was a few years ago to get a document notarized because the real estate office I normally use was closed. All three of our banks have apps that support photo check deposits, so we only rarely need to do a mail deposit. We use "Unit #" in our address, with no complaints so far.