Until recently, there has been an incomparable element to the in-branch experience—friendly, knowledgeable staff who understand my social cues, serve me quickly, or pull me aside for a more in depth sit-down discussion, addressing all of my concerns all in one visit. Today, while more than half of US adults are banking online, there still remains a certain sense that for more complicated and sensitive transactions, to receive personal support, you should just go into the branch. The latest innovations in online engagement are soon changing this.