> What are people using tellers for?

They need to look you in the eyes to see if you are pure of heart and deserve a mortage.

For everything other than $100, $20, & $5 I use a teller. Translates to I use a teller every week or 2. Why? because in many parts of this world cash is still king. Get out of the city for a change. Bring Cash.

Large counter deposits, cashier's checks. And my parents go in the bank to socialize with the tellers

How do you do a wire transfer from an atm? Even with a private banker I still have to call someone to move money above X amount - I can’t do everything through a web portal. Maybe my bank just sucks, though.

Crappy Wells Fargo app can't handle mobile deposits of Western Union and other Money Orders. So, I have to go to a branch, only 2.5 hours away.

Why am I stuck with WF? A longer, boring-er story.

My credit union is located near the route I take home from work on not very busy. So I use tellers for everything other than withdrawing cash.

Cashiers Checks!

to open accounts, thats it.