My bank is a mostly North Dakota one. It has only one branch in the state which is out in Golden Valley.
You clearly need to switch banks.
Or just borrow some cash off a friend or something. How much can you possibly need for "merch"?
Convenience. My mom works at the bank so if I ever have problems (like this fraud) I just text hwr and let her take care of it. I rarely so anything aside maybe sign sone papers I get mailed.
As for merch prices LPs and shirts are usually like $15.
Clearly it's not that convenient, because you're now posting on an Internet forum about how to get cash. Why not open up more than one bank account? Also, why can't you take care of your own bank account? I've had someone attempt to use my card before, and I was able to cancel it on my own and get a new one. Why is this something you have to have your mom do for you?
Believe me, having family working in the bank where you have an account is very useful.
