Banks nowadays are driven by software and are equivalent to SaaS. You probably don't want/need your email provider to have a brick & mortar presence in all citi

Banks nowadays are driven by software and are equivalent to SaaS. You probably don't want/need your email provider to have a brick & mortar presence in all cities, so why would you need your bank to do so? Keep in mind that because banks are driven by software, at least in the UK, branch staff have very little power above what you can do yourself - they won't be able to help you if "computer says no". I'd rather have the computer say no to me directly than having to waste time going in-person just to get the same outcome. This may be different to US credit unions, but even then, the writing is on the wall and it's only a matter of time before they get reduced to being mere servants of the computer.