Throughout the course of time, the US banking system has gone largely unchanged. There have been a variety of micro-evolutions – from cash to check, check to debit, and the like – but the way we interact with banks has remained much the same. Many people take comfort in the fact that they can walk into a local branch and speak with someone should a problem arise, but therein also lies the problem with banking as we know it: physical branches. I'm not saying that brick-and-mortar banks are a necessarily a bad thing in themselves, but being tethered to a physical location can be exceedingly annoying.
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