U.S. Bancorp and Truist picked literal names for their virtual assistants to avoid confusing customers, while Fifth Third and Regions created characters called "Jeanie" and "Reggie" to put clients at ease. Other companies are trying to split the difference.

Offices impacted are located in Chicago, Cincinnati and Kansas City, a company representative said Wednesday.

The regional bank told analysts that it has studied how much debt it would need to raise based on an effective post-reform capital floor of 6% of risk-weighted assets, and has determined that that increase in capital would be manageable.

Regions and PNC are two banks that have expanded the use of their mobile branches in recent years.

The Alabama bank must pay $191 million in connection with charges it levied on customers whose account balances went negative before a transaction was posted. Seven years ago, the CFPB imposed a $7.5 million overdraft-related fine on Regions.

Executives said the company may take a more conservative approach when it comes to adding new loans to its books in anticipation of an economic slowdown.

Kristiane Koontz at Zions and Neal Shah at Regions explained how they are coping with the many challenges of rebuilding the technology foundations of their banks at American Banker's Digital Banking Conference.

By taking the manual labor out of data management and upkeep, experts can reach new clients and better serve their existing ones.

In a survey last month, only one in 10 chief executives identified mergers as their top priority, while 77% pointed to organic growth. The sparse interest in dealmaking may be due to volatile markets, along with slower approvals from regulators.

The M&A surge promises to improve the services fintechs offer to many banks. But it's also creating a new class of full-service competitors.