The survey results make vivid exactly how fast branches are becoming obsolete. Three in 10 Americans have not visited a bank or credit union branch in the past six months, according to a survey conducted for Bankrate.com.

And there are not significant generational differences, said Greg McBride, Bankrate's chief financial analyst.

"Among those under age 30, 42% have been to a branch within the last 30 days compared to 52% of those over age 50," he said.

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