We have both B&M and online. Our B&M is a local credit union where we keep day to day money (checking accounts for bill pay), our emergency fund with Ally, and the remainder of our cash with Vanguard.
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I have most of my accounts through Chase and have had a need for the brick+mortar locations to deposit large amounts, talk to someone in person about an issue, etc. I also have online accounts as well but in my experience with Chase, I have dealt with tech glitches online that could only be solved by going to a branch, which is frustrating, but I'm glad I had that option.
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