I use USAA and don't live in TX so, I have just an online bank. Yesterday I had to get some money out and get change so I had to go to the ATM, get cash out, then drive over to the front of the bank, park and go in to get my 20's made into smaller bills. What a pain! Some days I miss having a local bank.

My husband works at one, though so normally if I need small bills, I'll have him get them.