...and have never had a problem. Ally has been my favorite, though. Their interest rates are competetive, their fees are low or non-existent, and their website interface is clean and easy to navigate. Really the online reason I've switched periodically is to take advantage of account-opening bonuses that other banks have offered. I've used Discover, Capital One, HSBC, and back in the day, ING. All have been OK, but Discover's fees are high in my opinion.

For checking, I still use a brick and mortar bank (though not a small, community one) due to the ease of online payments and the ability to go talk to someone in person if there is an issue (though thankfully I've never needed to do that...yet). I also have a small account with a local community bank, but their online interface is TERRIBLE. I mean absolutely awful.

I will say that industry-wide, the trend seems to be moving towards all-automated transanctions, even when you walk into your community bank or credit union. I work in the construction industry and have built four branches for a local credit union. The first two, about 8-10 years ago, were large stand-alone buildings with their own parking lot, and they cost a LOT of money per square foot. They were set up with a standard teller line and lots of private offices where customers could have one-on-one interactions with bankers, and there is a decent sized staff at each of these branches.

Then about 4 years ago they decided to build two more branches, this time with a much smaller footprint, and in strip retail centers. These branches are streamlined and are set up to handle mostly automated transactions. There is no teller line, and customers are instead directed to an automated teller machine that can handle pretty much any type of transaction with no human employee involved. The branches do typically have 2-3 employees, who tend to hang to the side in case someone needs assistance using the equipment, but it is clear that the trend is to minimize costs by using technology to keep their staff small.

So, long story short, whether you bank online or in person, it seems the process is going to become very similar between the two experiences, with very little human interaction.