I have also been amazed at the ease of all things online. A year ago I started an IRA with Fidelity and they are all online. They don't really have store-fronts, like Edward Jones and others, but you don't really need it. If you need help you can get a hold of somebody really quick on the phone or online chat. I set up a new IRA in one afternoon sitting on the couch. No muss no fuss. I don't have to pay some broker to handle my paperwork, I can log in anytime and buy or sell shares, etc.
One last example. Our local bank has online bill pay and I can go online and pay bills, they send the checks, and I don't have to waste time writing checks and licking envelopes! Of course I pay a lot of bills like our phone bills through the business' websites and they just draft our account. Even my revolving charge account at the tractor place I can log in and do an ACH and pay that. No checks, stamps, or envelopes. Sorry Dad about not using you as much.......good thing you are retiring!
I am just constantly amazed at how fast things are a changin'. And some of the changes like in banking are for the better if you ask me. Everybody gets all up in arms about bank fees and the like, but look at what you are getting in return. Besides that if your bank is charging too much fees, there are locally owned banks like ours that have very few fees. Their online bill pay is free for now, hope it lasts. Don't like Bank of America? Find another one you do like.