At least you have a human being you can see in person.
Our credit union removed the tellers and replaced them with a MACHINE. I Kid Ye NOT!
You talk to a KIOSK that has a monitor and slots to give you money and take checks like an ATM. A teller in a central location pops up on the screen and you talk to a tube.

Right now the tellers are local. I don't go in there often but I have at least seen the tellers that used to be in the branch so they did not loose their jobs. Yet. And the jobs have not moved overseas. Yet.
I don't like passing a check to a machine that can break down. Don't like it all. Not. Not. NOT!
The credit union did this years ago for the branches that were open to the public. It makes sense from a security point of view. The branch in my building complex requires badge access to get in the building and into the complex. It is just not going to get robbed.
There certainly will be better efficiencies but the service stinks. The manager still is in the office to handle loans and other problems.
We still have accounts at the CU because of habit. All our loans are with a bank since the CU would not finance as cheaply as the bank. For our land purchase they would not give us a loan.
Eventually we will switch to a bank since they still know what service mean. Isn't SERVICE part of what CU's are supposed to do?
Later,
Dan