Paper check deposits were mailed for decades, but are now deposited from the mobile app (endorse, take a pic of the front & back, deposit in the app).

Cash withdrawals are done via ATM, just like (presumably) everyone else. My bank refunds all ATM fees (up to some limit that I’ve never hit [looks like it’s $10/mo]).

I don’t have any recurring need to deposit cash; if I needed to deposit cash, I’d have to drive about 90 minutes to the nearest ATM that will take cash (if this was a regular need, I’d find another bank).