I have a bank card, which I mainly use at ATMs. I have occasionally used it accidentally instead of my credit card (less likely now that I have put a piece of tape over the asinine promotional credit-card logo on the bank card), but I would not want to do without it.

All in all, I would say that banking is one thing that has become far more convenient for the customer over the last 50 years. It used to be that if you had a savings account, you got something called a pass book, and to make a deposit or withdrawal you had to bring it to the bank (during bankers' hours) and have the new balance written in. To get cash, you had to go to the bank, unless some friendly merchant was willing to take a check & give you a little cash back; if you weren't careful, you could run out of cash on the weekend & have to borrow some. These days, I have gone whole years without having to worry about when the bank was open.