They have brick and mortar branches in every city of significance. And if you have ever stood in one the teller lines, you would realize very few people make use of internet banking other than checking balances. With the hoops one must jump through to sign up for it, not worth it and when someone hacks your computer and get those passwords, bye bye deposits. The internet is not the end all it's made out to be and certainly no way to determine if a bank is "down"