Yesterday I set up an account with a Virtual bank to take advantage of a higher savings interest rate than the traditional brick-and-mortar banks offer. But I have to admit that I'm not a big fan of dealing with an online-only bank ... not being able to go meet someone face-to-face in a local branch if I need something specific.
Do any of you guys use a Virtual bank, and is it your only bank? I'm in my late 40's, so maybe it's an age thing? Younger generation may be more trusting than I am for virtual stuff in general?