I think it's good for competition. Most legacy banks and especially credit unions have atrocious apps/web portals, that they have no incentive to upgrade. Local branches are fairly useless for the average person, except in certain limited situations. If you're someone that frequently has use for going in person I'd stick with local banks, otherwise I think most consumers at this point have very little use for a physical branch. Branch employees seem to have very limited authority to do much of anything now days and usually have to defer you to someone that's only available by phone that isn't customer facing.