"who goes to a walk up bank anymore"
Me. Once or twice a week. My branch is one block from the office. I use the ATM if I'm just taking out a few hundred. But most of the time I need a teller or even a manager to sign something. That reminds me, I have a $1k check to deposit and I forgot to grab a deposit slip before I walked to work this morning. It's okay, they'll print me one. They've gotten really, really friendly since I starting buying jumbo CDs with the money from the sale of my parents' house. (It's okay, they didn't die, only moved to a retirement home and my father said to put it in CDs. He's 86 and likes CDs.)
Can't get a free lollipop if you don't go inside.
John