In recent years I have been going less and less to banks. 20 years ago I would go monthly to pay some bills.

Nowadays, I must visit a bank once or twice a year tops. My manager frequently sends me messages, but invariably he is trying to sell me something.

I've noticed that branches have really cut down on tellers and in my latest visit the branch didn't even have a teller, just someone helping people use the ATM and lots of desks (most were empty) for you to handle more complicated business with your account manager.