I don't have an ATM card either. It was more not really seeing the need. I mean there is a need to go to the bank in person periodically anyway due to the need for quarters so I can do laundry. Can't get that at an ATM.

But with an ATM card it might be less frequent (at least if the pandemic driven quarter shortage ever ends, i can't even get more than 2 rolls at a time now). So I may reconsider the ATM thing.