<p>Williamsdad13 - also have D at school with no BofA branch…was one in town 15 minutes away but has closed. We chose to stay with them (she already had account) since we are linked and easy to transfer money. She shops for groceries at least once a week and gets extra cash then. Everything else she pays with straight debit so doesn’t need a lot of cash. So lack of ATM has not been a problem. It was a problem depositing the odd check but now she has a smart phone and can use mobile app to deposit and it works great.</p>