I can't tell you the last time I was in a bank branch. I can tell you that I walked right up to the teller's wicket and got service right away. ATMs now perform most routine transactions, and the staff is there mainly to help with less common requests, like exchanging foreign currency. I rarely even go to the ATM, because I hardly ever carry cash. I do nearly all of my banking online, and my iPhone lets me pay for everything I need.