dont use atms??? How is that possible? Are you a CC user that pays in full when statement arrives?
umm real easy, you walk into the bank and deal with the bank teller. I abhore atm's and avoid them whenever possible which is 95% of the time.
I'm the exact opposite. I started using ATMs 30 years ago and ever since I started Internet banking in 1995, I've rarely ever seen a human being at the counter. ATMs are much more efficient and sometimes "friendlier"!
Interestingly enough, somewhat tangential, but I walked into a new Chase branch which just opened from me: no tellers.
Did have a full service feature but it was staffed with catch-all bankers (make a deposit and apply for a CC with one person), but nobody behind the counter. Did have an odd moment walking in and looking for a deposit slip for a check I couldn't deposit via mobile app, definitely has a different feel to it.
I can't stand writing checks so sometimes I will go to the ATM for cash - for contractors, etc. When I receive cash, I use the ATM even more frequently to deposit the money. My main bank (Bank of America) will charge me if I don't (e-checking - online or ATM only).
My main bank is Schwab and there are no physical locations within a hundred miles of me, but I can use any ATM, anywhere, any time for free so I do.
I also have BofA as a backup and to depost cash (on the rare occasions that I need to do so) but I have an ebanking account so I can't see a teller unless I want to pay a fee (which I don't).