We live between two small towns; there is a bank in both towns. We did our banking with the little bank to the west for several years; it's locally owned. I switched to the bank on the east of us because they offer online banking; I'm a sloppy bookkeeper, and I really need that feature. If the balance in my checkbook is off, I can check online, see the discrepancy, and correct it before it becomes a problem. The little bank to the west doesn't have online banking, and I was told they likely never will.
But the bank we use now is only a small branch of a larger institution, and they appear to be on the verge of closing this location. They are no longer open on Saturdays. Weekday hours are 8:30 to 2:30; on Fridays it's 8:30 to 5:30.
Obviously if you have a job in the city, you're out of luck. Those hours only accomodate retired folks or people who work the night shift. It's plain to me that they are gradually phasing out this location, and I suppose you can't blame them. It's a small town with a population under eight hundred people.
The bank has a location about fifteen miles to the south and another one ten miles east of us. I suppose it's no big deal to drive ten miles to do the banking, but our town is sure going to miss the bank when it's gone.
Added later: A friend left a comment saying the other local bank now has online banking! This is great news to me; when our present bank closes, we will be taking our business there.