Local banking with a local banking app
Cons:
No check deposit feature
No functionality for debit card
No wallet integration for debit card
No instant notifications on purchases
…. this is the thing that bothers me the most. There is piece of mind when you have an app that pushes notifications for purchases or other withdrawals.
If I had the option to be notified instantly for all debits on my account I would be able to immediately recognize a fraudulent charge.