CHARLOTTE, N.C. — Bank of America Corp. has started four “express” branches in the Atlanta area in a continuing market test of nontraditional branch concepts.

The branches, labeled Bank of America Express, have standard teller windows for basic transactions but rely on telephones, Web-enabled teller machines, and teleconferencing for loans and other services.

“We believe this will be a successful way for customers to avoid waiting in line or having to make an appointment,” said Amy Brady, a Bank of America senior vice president who oversees the Atlanta prototype market. “It’s fast and friendly but also experimental and cutting-edge, so we’ll find out if customers like it. Hopefully, they will.”

The stripped-down offices are the second such branch concept Bank of America has tried out since it began the program in Atlanta last winter. It has also tested a series of what it calls “financial centers” that are equipped with computers for customers’ use and are staffed with licensed financial advisers. The market test includes regular branches.

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