Increasingly banks are reducing the ability to do that. Here in Australia most banks have closed down branches in many smaller communities over the last 20 yea

Increasingly banks are reducing the ability to do that. Here in Australia most banks have closed down branches in many smaller communities over the last 20 years. Many of the 'standard' accounts that people have either only one in-branch visit per month, or none at all - and charge a fee for it. Credit Unions and Building Societies are not much better, if at all. There's also a growing number of online-only banks which don't have any physical branches, and all your interaction with them is online or over the phone.