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> why don't more people bank _intentionally_ with credit unions, or at least local banks

Simply put, national access to those banks. Traveling business owners who deal with cash will have access to physical banking locations all over the country. You cannot deposit cash in San Francisco for a bank that is local to only NYC.

discuss

throwaway2037|1 year ago

    > Traveling business owners who deal with cash

Woah, you picked a strange edge case. What legitimate businesses in 2024 fit this category? I'm pretty sure that you can deposit cash at any ATM if that ATM and your card have either "Cirrus" or "Plus" interbank network compatibility.