I check the balance when I'm getting cash from an ATM. Transaction logs are sent by mail or I can print them at service machines. Really people, it's not that complicated, it worked before online banking was invented after all ;) I'm not sure if all those services (like the physical mail thing) are available to new customers though, I think those are nudged heavily to use an online account.

I only need cash for maybe once a month. Transaction logs sent by mail are way too slow.

Yea that way much slower and much less convenient compared to online banking.

I haven't gotten cash in over a year and I'll only need to get some more at some point over the next month or so because I was in a store whose credit card system was down.

About the only thing I'd do with a bank in person (other than ATMs) would be either special transactions--much of which you can handle over the phone or on-line these days--or if I still had to deposit sheafs of checks like I did when I had a business years ago. (Though I assume these days most people would pay digitally in some manner.)

I've observed over the past year that even brokerages and the like that pretty much used to require going into a branch have discovered that's actually not necessary.

I don't care so much about the speed of transaction logs but that I can access my records, pay bills, transfer money, etc. with a few clicks.