Yes. Going to a bank costs time + money. Having a bank account costs money (and has spiked in price recently). Maintaining good standing with a bank costs time + money. Even not using a bank account, still costs money in America. ("Inactivity fees").
https://www.cnbc.com/2017/07/21/the-crazy-growth-of-bank-fee...
https://www.forbes.com/sites/learnvest/2018/04/05/americans-...
Still costs in time (e.g. get off work to go to bank and open the account) which makes it impossible for some folks working shift-jobs. E.g. the poor.
Still not a good situation, but worse is trying to schedule things like doctors / dentist appointments. Especially if they have to be scheduled weeks / months in advance, before you know what your work schedule for that week would look like.
Do you have some options that have no strings (like minimum balance) attached?
Instead, try local credit unions. As an example where I'm at, Indiana Members Credit Union has a checking account with all the normal perks of a checking account and no fees. And credit unions work together with the major banks to give their members access at most ATMs.
In any capital one branch you can make a deposit/withdrawal with your 360-checking account. If they give you freedom of online-banking it doesn't mean their branches magically become unaccessible to you.