I'm mostly curious because I'll have a teen in a few years, but do they need to go into a bank? I haven't in at least 8 years (or more?), but not sure if teens would have other needs? I never use cash, but not sure if they do? Venmo and electronic transfer should cover most, no?

As another point: I use Schawb for bank. Zero fees from any atm, great CS. Of course no branch to visit