<prompt> Human: Hi rpersonalfinance,I hope you are doing fantastic. Last year, I made the decision to open a checking and savings account with a large US credit union and move the majority of my funds to my credit union accounts because I was tired of the .01 APY I was earning on my savings and the limited ATM network of my regional bank that was promoted by my university. While I wont say the actual name of the credit union in the OP, I will mention some of the benefits that they provide. 1.45 APY for savings accounts ATM operator fee reimbursements up to 20 per month Fantastic 247 member service Great mobile banking My credit union won awards and accolades from NerdWallet, BankRate, MyBankringRates, and The Finanicial Brand for having great checking and savings accounts.Overall, I am glad that I made the switch to a credit union. As Dave Ramsey would say, since the credit union exists to serve their members, they have an incentive to provide quality that cannot be found at a traditional bank. That said, there is one weird thing about my interaction with my credit union. All of my interactions with my credit union have been all done via digital channels online banking, mobile banking, member service on the phone, mail and I have never stepped into a physical branch. Now I know that we are in an era of technology and more people are doing their banking interactions digitally. What I am asking is if from a Dave Ramsey perspective it is OK to solely use digital methods of interaction when banking with a credit union?If anyone asks, the credit union is federally insured by the NCUA and has a zero-liability policy when it comes to reporting fraudulent transactions in a timely manner.  <response>: My credit union has 2 physical branches in my state. Ive been to 1 but it is super rare, however I will never leave them and this is my store of why. I live in Arizona, last March I took a trip to Alaska. Somehow I made it all the way to my hotel before I noticed that I left all of my credit debit cards in Arizona. After panicking, I called my credit union and they were amazing! They verified who I was, got me the address to the closest sister credit union where I could take out cash with no transaction fee, overnighted me a new debit card. No regular bank would have done that. Of course I went out of my way and took cupcakes to the local branch when I got home they remembered the girl who needed a new debit card overnighted to Alaska. 