I go less often now, but the local branch was a place where "everybody knew my name", always had fresh coffee. You need face to face to get signature guarantees, a physical building for night deposits, and the ATM doesn't give out a choice of bill denominations. There still seems to be a line at the end of the week when people are cashing pay checks. Yes, personal banking is a lot more online, but businesses still need a lot of service.
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