Managing bank branches in Manhattan is never easy, but some operate far more successfully than others. GreenPoint Bank's branch on 33rd Street and Seventh Avenue is not one of them. Despite the fresh, modern design of the newly opened branch, which replaced one around the corner, it's a flashback to the old days, before the omnipresence of ATMs.

Located near Penn Station, one of the city's busiest areas, the branch usually is swamped with customers. Lines are long, and customers get fidgety. Even at lunchtime, when the lines seem to go on for miles, there rarely are more than four tellers, despite the 13 stations. Sometimes, during rush hours, as few as two are manned.

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