This is simply untrue. Marcus is a fully licensed online-only bank, they have no physical branches whatsoever and everything is done through their website:

https://www.marcus.com/us/en

There's also Green Dot Bank which is what Apple Pay uses among other mobile payment systems. They technically have a single physical branch but you don't ever need to visit it in order to open a savings/checking account with them:

https://www.greendot.com/about-us

Not true because I've opened an account with an online-only US bank. There are no physical branches to visit.

Since when? The last 3 or 4 bank accounts I’ve opened have been done entirely virtually.

This is clearly not true given the number of banks with no physical branches.