We use the credit union we have had for years. Any money coming in is usually an electronic deposit. I go online to their bill pay once per month and pay all bills. I do not have anything auto deducted. There is not charge for me to do it on the day I want. Billing statements are usually available online if you need them. In the even we do get a personal check for a birthday or something, we endorse the back "For Deposit Only" sign and put it in the mail to our credit union. When we upgrade to a smarter phone, we could do it online too. We get money back if needed when we do our grocery shopping. We rarely need to go to an actual building but do visit our credit union a few times in the summer when in that state.