Yeah, I should have been clear - accessing it at a local branch. Not that many people need to do that anymore; in fact it's so easy to do everything online you may forget to update addresses, etc. And with no paper statements, you might not even notice until one day your bank decides it needs to mail you something important.

No, I can access my remote credit union account through most credit unions through shared branching. It's more convenient than banks which have less cooperation.