What's your experience like NOT using a big 5 bank?

I've been with CIBC since I was a kid, but I'm starting to realize, they suck. The app UI is booty, the ~17$ fee for my chequing account is a scam, not too mention added fees for having overdraft protection and other "service charges" that appear and I have to call to get them explained/reversed.

I've been investing with Wealthsimple, and really enjoy the UI. Eventually, I'd like to move my direct deposit over and use them for the majority of my banking needs.

Still, I'd like to have a physical bank with a no fee chequing account that I can use in case I need to withdraw or deposit cash, or order a bank draft or cheque. I'm leaning towards Tangerine.

So for those who are not with a big 5 bank, or do the majority of your banking with an online only bank, how has your experience been? Any advice? Is it even necessary to open a chequing account with Simplii or Tangerine, or are there work arounds. I'm mostly curious to how handling cash works.

Thanks!