this post was submitted on 01 Sep 2024
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There are things that you can do at an ATM that you can't do at some banks, or will have shorter overall wait times.
You can't always walk into a small credit union and withdraw money/deposit cash from a bank account with a different institution, but you can do that at their ATMs.
I find that regardless of bank, if you talk to a teller, you need to have an account with the bank you are physically in.
There's very little they can do for you without it.
I've had banks I don't have an account with occasionally replace a damaged dollar bill of some value or another, or do some limited currency conversion, eg, getting a roll of quarters or something, in exchange for the cash I have on hand... Beyond that, they basically tell you to leave.