Northwest Bank CEO and President Rob Perez says he drives by all of the bank branches on Boise thoroughfares and wonders what customers ever go into them. There are 20 branches on Fairview Avenue alone. "Why are there so many branches, given that most of the up-and-coming banking customers are perfectly content to do all their banking online or through some sort of teller machine?" Perez says. "Why do large institutions like Key Bank, Wells Fargo and U.S. Bank continue to build branches? I don't understand it." Perez has tailored his business bank to cater to clients through its website and phone service/Zach Kyle, Idaho Statesman. More here.

Question: Do you prefer the presence of brick-and-mortar banks? Or do you do all your banking online -- or through teller machines?