Have you ever caught yourself paying a $3 ATM fee to avoid driving across town to your own bank's ATM? Add up the value of your time, gasoline costs, the need to complete a necessary task and it's easy to justify that $3.

Convenience is king for many of today's consumers, and banks should adjust to this changing behavior. Customers are flocking to online, mobile and ATM banking like never before. By the end of 2013, the Federal Reserve expects 42% of bank customers to use their smartphones for banking. Rapidly changing technology and demographics are going to accelerate these trends.

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