The Wave of the Future in Banking was quite a shock to me when I entered the new credit union in my area. I walked in and filled out my deposit/withdrawal slip then I walked over to the information desk to ask, Where do I go now? Look closely at the photo:
There were no tellers to be found. A small screen with a person was the only thing at the kiosk. It was like something out of the Jetsons. Of course, my daughter had no idea what I was talking about but none the less, it was strange. The person on the screen said the credit union set up the lobby this way to protect the tellers from robberies. I could see the point but what a shock to me.
Spirit of St. Louis Credit Union is locate in Eureka, Missouri. Stop by and see where the future of banking is headed!
© Ann Hayden, 2008-2009. All photographs and/or written content produced by Ann Hayden. All rights reserved and may not be reproduced or reprinted without express written permission of Ann Hayden, real estate agent with Prudential Select Properties Chesterfield, Ballwin, Wildwood Office. Information deemed reliable but not guaranteed.
Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you.
Ann Hayden Realtor St. Louis Missouri
For All Your real estate needs: www.SelectAnn.com
© Ann Hayden, 2008-2009.
I hope you walked back out and found a bank with a human
Barry,
I was tempted but it was such an enlightening experience and I needed some money!
Ann
We had the same thing in Houston. I walked out and found a human to talk to.
Ann, I'm hoping this is a good. What happens if the transaction is wrong?
I'm going to look into that for my REO tours in bad neighborhoods
Ann,
I think you are right. We used to have our friendly banker that we could approach about any financial matter or venture. Now, they'd prefer we just send in our money and not bother them. :)
Steve
Ann, I have not seen that done around here yet, but if it is being done there I am sure it will not be long before we see it as well.
Hummm if I know what you are talking about when you say the Jetsons, does that me there is something wrong with me? :) :) :)
I don't mind the idea just the reason for it. If it was done for productivity and to provide the customer with faster and better service that would be great...but because there is a need to keep the tellers, that's just scary.
Love the safety aspect of this concept! No one needs to risk their life while working and this adds yet another layer of protection for the teller. Marti
Hi Ann, I hadn't yet seen this. However, I remember working in the banking industry for over 10 years, back in the 1980's and back then, we didn't have any protection at all. One day a man walked in, walked straight past my desk, after I greeted him. He handed the teller a note, asking for all the money in her teller drawer.
Terry,
Unfortunately, I did not have the time to do that...
Ann
Tony,
It is just like going to the drive through. If it is wrong, they will fix it.
Ann
Ann, wow, haven't seen that here. Perhaps BOA will do it, if any bank will.
Paul,
Thanks for stopping by,
Ann
Steve,
Yes, they want the money...
Ann
George,
Yes, unfortunately, it does mean you are strange...;-)
Ann
Kathy,
The service was not any faster but I am sure the teller could handle more than one transaction at a time like with the drive up. I am not sure safety is really the reason for it....
Ann
Marti,
Yes, it does add protection but it also seems impersonal.
Ann
Sandy,
Sounds like a very scary situation....
Ann
Hi Ann-WOW!!! How things change. I understand the robbery part but I like a LIVE person but that is just me. Have a great day. <SMILE>
Andrea,
I think they probably will in the near future...
Ann
Sharon,
This seems to be the way things are going.
Ann
Amazing how the futuristic images of our minds and imaginations are becoming reality :) I haven't seen these kiosks but am sure I will someday.
Kathy,
It is kind of bizarre! I hope Star Trek and the Stars Wars stuff is not next!
Ann
There is a credit union in Florissant that has the same set up. The tellers are on video screens. There was a receptionist and a loan office at the branch and no one else. I like real tellers who know my name - like at the Private Bank or the old Central West End Bank (now Pulaski). However, the credit union in Florissant had a play area for kids, video games and plasma TVs. It was a different experience - but the credit union's customers seemed to love it. I was just picking up a check - so everyone was happy.
Ryan,
Sounds like a nice place but I do like to interact with something other than a computer screen.
Ann
Ann,
Next thing you know they can save building on the site and just use an ATM kiosk in the parking lot. :)
Steve
Steve,
I might just skip the lobby and do that next time...;-)
Ann
Hello this is Allan visiting first time to this site and found it interesting.
--------------------
<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:PunctuationKerning /> <w:ValidateAgainstSchemas /> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:Compatibility> <w:BreakWrappedTables /> <w:SnapToGridInCell /> <w:WrapTextWithPunct /> <w:UseAsianBreakRules /> <w:DontGrowAutofit /> </w:Compatibility> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" LatentStyleCount="156"> </w:LatentStyles> </xml><![endif]--><!-- /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} -->
<!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]-->Allan
<a href="http://www.torontoweddingchapel.com" rel="dofollow" rel="nofollow”>Toronto wedding </a>
Hello this is Allan visiting first time to this site and found it interesting.
--------------------
Allan
<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:PunctuationKerning /> <w:ValidateAgainstSchemas /> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:Compatibility> <w:BreakWrappedTables /> <w:SnapToGridInCell /> <w:WrapTextWithPunct /> <w:UseAsianBreakRules /> <w:DontGrowAutofit /> </w:Compatibility> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" LatentStyleCount="156"> </w:LatentStyles> </xml><![endif]--> <!-- /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> <!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]-->
<a href="http://www.torontoweddingchapel.com " rel="dofollow" rel="nofollow”>Toronto wedding </a>