Huh. I don't have much of a problem going in to a bank branch, given that there's one every half mile. A quick in-person meeting is fine compared to the shitstorm of unusable menus and nearly unintelligible communication that is calling your bank on a cell phone.

(I mean it would be great if there were a bank that did all its customer service over text chat, but that's too much to ask for, right?)

I'd prefer a usable website in addition to guarantees of prudence in investing the money. My $ for both. If Robinhood replaced SIPC with something as credible, I'd go for it. They could probably do it with US Treasuries and bonds from Google, Apple, Facebook, etc.

Well, they’re trying, with chatbots

And I’d really wish they’d just stop

I've used a legacy bank since the credit union I used in college slammed me with a wall of fees.

The branches have only been to my benefit, never really required, just faster.