If banks can agree on one branch-design principle, it's that the branch of the future will not have teller windows. Instead, they will be equipped with self-service machines that can handle transactions like cash a check or get $1 bills, freeing up branch staff formerly called tellers to roam the branch to offer whatever service is needed, whether that's opening an account, setting in motion a loan application or teaching customers how to pay a bill online or with a mobile device.

The assisted self-service experience is reminiscent of the airport — with check-in kiosks and agents — and is already part of many branches.

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