Visiting your local bank branch is rare, and if you are there, chances are you aren't having a good time. "We found that about one in twelve times that a customer visits a branch, it leads to them being annoyed, frustrated and irritated," says Gerard du Toit, a partner with Bain & Company and co-author of a report on banking and technology. According to du Toit, the United States probably has two times more bank branches than it will need just a few years from now.