Remember the days when banking was always done face-to-face? It may seem like a distant memory, but there was a time – not that long ago – when banking was conducted when people walked into a branch.

Today, of course, Americans live in a 24/7 environment. They no longer want to be constrained by traditional "banker's hours." As a result, they expect their financial organizations to meet their needs by conforming to their schedules, rather than the other way around.

Convenience has become almost as important as confidence in the stability of their financial institutions.

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