Agreed. I changed over to a local credit union from Bank of America a few years back. Their online banking is a bit more awkward, but I can always talk with an informed person, which more than makes up for it.
My theory is that banks started out personal, but as they have consolidated have become ever more industrial in their scale and processes. Unfortunately, industrial-style human interaction is pretty awful.
I think the massive restructuring will come as banks split tasks into a) fully automating the boring things, and b) creating really good tools that empower their front-line workers (instead of treating them as dumb peripherals).
If our current major banks all went the way of Blockbuster during that process, I'll shed no tears. Few will, I imagine.
My theory is that banks started out personal, but as they have consolidated have become ever more industrial in their scale and processes. Unfortunately, industrial-style human interaction is pretty awful.
I think the massive restructuring will come as banks split tasks into a) fully automating the boring things, and b) creating really good tools that empower their front-line workers (instead of treating them as dumb peripherals).
If our current major banks all went the way of Blockbuster during that process, I'll shed no tears. Few will, I imagine.