With the increased popularity of online banking and widespread networks of ATMs, you might not need to visit a bank branch as long as everything is working fine. Typically, you should visit if you need to deposit a considerable amount or if you need to get a cheque issued. Most disputes with bank accounts can be solved online, and you do not have to visit a branch. It all depends on your activities with the account as regular deposits and withdrawals can be done without visiting a branch.