I get it. But, I engage in electronic banking, and I appreciate 24-hour access to account information, and I like the convenience. But I also strongly cling to the ability to walk into a branch of the bank I deal with and find a human being to resolve problems that can't be done from my phone or home computer. Several of the large banks here won't publish anything but a 800 number, and it's difficult to contact a local person without their extension or cell #. Employees who've worked for decades for some of these banks are getting railroaded out before they're fully vested in their retirements. There will continue to be niches for small local or sub-regional banks for the foreseeable future. (I hope)
The elimination of services at neighborhood reail branches by banks is going to continue. It's part of the trend that, among other things, significantly reduces the number of employees dealing with customers - er, make that "consumers". Grocers are closing the limited item check out lanes, and are pushing customers - er, consumers - to the "self check" lanes, and having the employee who worked the check out lanes to stand around and steer people - er, consumers - the the self check lane. With banks, we'll be dealing with a customer "service" rep who is located who knows where, and who spends all of the phone time seeling to validate each remark one makes, telling how pleased they are to be of service, and asking how they were able to enhance my customer - er, consumer - experience.