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>I'm actually surprised if it's legal for a bank to refuse to provide cash withdrawals

There are online-only banks now like Simple and Ally; they obviously can't provide cash. If they can deny cash why can't other banks?

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That's a very good question. I was thinking of legal tender laws, which I understand to usually stipulate that any debt incurred must be payable in cash money issued by the relevant state.

Of course, there are a number of ambiguities there, so maybe it is possible to run a bank without providing cash withdrawals and still be on the right side of the law in the US.

if they dont have a bank of cash available, are they really a bank? (yes, i believe it's a bank too, but to me it's a head scratcher)

BECU (Boeing Employees Credit Union, WA State) only has tellers handle cash out of their main office, in Tukwila. Every single other "branch" is a Service Center with ATMs. They will help you get a loan or print a cashier's check, but send you to the ATM for any withdrawals.

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