I wasn't going to, I suggested below. Also it's capital one.
In any capital one branch you can make a deposit/withdrawal with your 360-checking account. If they give you freedom of online-banking it doesn't mean their branches magically become unaccessible to you.
I didn't intend to put down your suggestion, like I said, online banks are great, but there isn't a capitol one, ally, or discover bank in my state. So for people who use cash, a credit union is an excellent choice.
Ironically, people who are being “discriminated” against with progressive, cashless initiatives, live in states where capital one branches and ATMs are on every corner.
In any capital one branch you can make a deposit/withdrawal with your 360-checking account. If they give you freedom of online-banking it doesn't mean their branches magically become unaccessible to you.