Gotcha. See my previous post. Not sure I would do a virtual bank. My debit card is also with the state bank. It is nice if/when an issue pops up, I can walk up to a teller with skin on and discuss it. Makes it easy when the bank is less than 10 minutes from home and I drive by it at least once a week.Maybe I stated the question incorrectly. I have been paying bills, direct deposit, etc. online for years. Talking about a "virtual" bank here. I don't need a brick and mortar bank. Just a debit card.
For credit cards. We have two….. that we use. Visa and Discover. And other than a Home Depot card I carry and rarely use….. they’re the only two we’ve ever had.