My bank always has two pens at the bench where people have access to deposit slips etc. I stay away from banks that are not my bank. Some won't sell you a roll of quarters or give you change for the parking meter unless you are a member of that bank. Some community service. Others will charge me ten dollars to cash one of their checks, from one of their members. Yikes, no thanks.
Banks are so generous and giving and welcoming. After all, without us, they would have to rob from the richer than us. That is harder than just the average non-billionaire.
The reason we keep putting money in them, is we have little choice, it seems. At least until we figure out another way to manage our currency on a global level.
No "germs"? Are you serious? Oh God. Not one of those. Do you have any idea how uncomfortable that makes the rest of the world having to worry constantly that you think you are being infected, when there is NOTHING BUT germs everywhere?
The germs in your purse and on your pen are just as plentiful AND harmful as the ones in the bank. Give it up already and take a relax pill.