In the US it's common to see many small local-ish banks. Apart from the Bank of America the local ones are usually more flexible and can meet local needs, such as First Tech.
At the branch right beside my office there's only one ATM. This one machine does everything, including both withdrawals and desposits.
Because the number of staff is also not many it's important to make reservations to engage in their non ATM services, such as account opening. It's usually not possible to be able to walk in and expect to be served at the counter.
That's just how it works.
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