Maybe I'm just old but I would never put my money in an institution where I can't go to their branch/office and talk to a human. Typically this is hardly needed with all the digital convenience but when things go wrong, it is truly worth it.
That's not a guarantee anymore; in some banks here, the person behind the desk is just a glorified form filler. Everything has to go to the central offices anyway.
Yes depends where you are; where I am, there are still some people in the branches who know how to do their job.
I'm with ING here in Romania and one day I went to a "human" there and took out some cash that I wanted to deposit. They got scared that I took out money in front of them. Banks are not the same.