For Barb Painter, a visit to her bank branch on April 15, 1995, was the last straw.

Ms. Painter, owner of a small 12-year-old map-making business in Minneapolis, said only one teller window was open on tax day, and a long line snaked through the First Bank branch.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.