At a time when customers are rapidly switching to digital banking, scores of branches are closing. But many institutions — mindful that brick-and-mortar locations remain a critical sales channel — are also experimenting with physical layouts that are focused on technology and generally smaller than traditional branches. In some cases, they have even done away with employees. Here is a look at some of the designs that banks have built as they seek to fuse the physical with the digital.
Bank of America
This year, the Charlotte, N.C., bank started testing employee-less branches — Bank of America calls them virtual centers. They feature ATMs and videoconference rooms, where customers can consult with mortgage loan officers and other specialists. The $2.2 trillion-asset bank has opened three of the branches — two in Colorado and one in Minnesota.