Right. What banks do is sell loans. That's the profit center. Teller windows, vaults, and cash handling are all low or no revenue cost items.

So newer bank branches look like car dealership offices. There are many little glass rooms where you sit down with a bank employee and discuss loans and other financial products. That's where the money is made.

There's a small area in back with traditional tellers. It's not where the money is made.