Sure, you prefer to deal with real people and many people share your preference. Banks know this and do keep tellers in most locations. However, much of America

Sure, you prefer to deal with real people and many people share your preference. Banks know this and do keep tellers in most locations. However, much of America is under banked, especially poor neighborhoods. High costs prevent banks from opening up branches in these neighborhoods. Any efforts to bring costs down should be met with applause as this will open up low cost banking to many new customers and compete with higher cost financial service providers like payday loans.