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SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
EXCLUSIVE: Midi Health Launches Virtual Care for UTIs, Bacterial Vaginosis and Yeast Infections
No more white-knuckling it until you can see a doctor or end up in urgent care. Now, get immediate help from home.
Are Bank Lobbies Still Relevant?
Local banking leaders say technology is changing the way customers use their banks — and their lobbies By Deborah Jeanne Post [caption id=attachment_11109 align=alignright width=300] Steve Gorczynski is M&T Bank Central New York regional president.[/caption] When was the last time you entered the lobby of your bank? If it’s been a while, you’re part of a trend of eschewing the lobby in favor of ATMs, drive-thrus, online banking and remote deposit. A 2025 study performed by the American Bankers Association revealed that only 9% of consumers use bank branches as their preferred way to do banking and 76% prefer mobile banking. The trend away from the lobby reflects consumer behavior in other areas of doing business, including online shopping instead of perusing the mall, ordering fast food at a kiosk, not at the counter and selecting curbside pick-up rather than walking into the restaurant. Consumers want convenience and going in the lobby adds another layer to the task. It also places consumers face to face with one or more representatives of the business, something less favorable to people feeling burned out from interpersonal interactions. Nixing or at least minimizing the size of the lobby isn’t necessarily negative for banks. Fewer people passing through their doors reduces overhead for building maintenance, staffing and furnishing. Greater reliance on virtual banking can mean closing brick and mortar locations and hiring fewer staffers to cover roles like teller and lending officer. “Our focus is on meeting customers where they are and giving them flexibility in how they bank,” said Steve Gorczynski, M&T Bank Central New York regional president. “While many everyday transactions can be supported digitally and through ATMs, branches remain important for more complex financial needs, offering face-to-face guidance and a more personal banking experience.” Talking with a commercial lender or working on a home mortgage are two examples where meeting face-to-face is more desirable for many people. They can receive immediate feedback to questions and can possibly reach their goals more quickly. But there’s little need to have a large seating area, long counters and numerous tellers for routine banking that’s quicker to handle virtually. Online banking can also help people on the go more readily complete banking tasks such as depositing checks, transferring funds among accounts and checking balances. [caption id=attachment_11135 align=alignright width=300] Tina M. Stephens is the vice president branch administration for Fulton Savings Bank.[/caption] “The traditional bank lobby is certainly being evaluated by most institutions today, as the typical large, open and cavernous spaces do not necessarily meet the needs of today’s customers,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “Traditional lobbies often bisect traditional teller stations and customer service areas, which adds confusion, especially for the demographic who routinely use online banking and only access the lobby for customer service needs.” Despite the rollback in physical locations across the industry, Fulton Savings Bank began modernizing its six branch offices in Oswego and Onondaga counties about three years ago and have finished four offices so far in Baldwinsville, Fulton, Constantia, and Phoenix. “We made the decision to build a new branch across the street from our current office in Brewerton which will be completed by the end of 2026, and we will begin the retrofit of our Central Square office in early 2027,” Stephens said. “Our efforts specifically address where we think customers will be in the next three to five years and have greater flexibility to make changes out into the future.” The bank may be onto something, as numerous reports state that screen-weary Gen Z young adults crave more in-person interactions than virtual ones. If the pendulum continues to swing in that direction, it’s hard to see all physical bank areas disappear, even if they change somewhat. Fulton Savings Bank has also consolidated its teller and customer service representative areas to larger “universal banker” areas, where the bank representative can address all customer retail needs. A one-stop-shop experience appeals to busy banking customers who want to perform a few different banking tasks in one visit. Stephens also said that Fulton Savings Bank made additional technology and security enhancements and created flex spaces to accommodate bank meetings throughout the two-county branch footprint. At Solvay Bank, Elizabeth Lavier, vice president marketing and communications manager, lauded digital and online services as convenient and flexible for managing finances; however, “technology is not meant to replace what matters most: the relationships behind every account that have always been at the heart of community banking,” she said. “Even in today’s digital-first world, people of all ages still value the opportunity to sit down with a trusted banker for personalized guidance. We understand that some of life’s biggest moments call for more than a screen.” Lavier views digital banking as another way for the organization to serve customers rather than a replacement for branches, tellers and lenders, which tend to serve customers better for transactions like buying a first car, purchasing a home, saving for a child’s education, or planning for retirement. “Those conversations, built on understanding, experience and personal guidance, are what community banking is all about,” Lavier said. “At the end of the day, banking is about more than transactions. It’s about helping our customers achieve their goals and being there for them every step of the way. By combining the convenience of digital banking with the care, commitment, and personal service of a local community bank, Solvay Bank offers customers the best of both worlds.” Are Paper Checks Destined to Disappear? With the ubiquity of debit cards, online payments, virtual checks and peer-to-peer payment platforms like Venmo, Zelle and PayPal, will paper checks become passe? “In my view, paper checks are unlikely to disappear in the near future,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “They continue to serve a practical purpose by providing a clear paper trail and tangible proof of payment.” According to the American Banker, a leading trade publication that covers the banking and financial industry, in 2024, checks accounted for 65% of all payment fraud losses. Paper checks should be phased out, according to the publication. “The phrase, ‘The check’s in the mail’ probably sounds strange to younger people because the era of paper checks is rapidly drawing to a close. Put bluntly, checks are an expensive, insecure legacy that is a drag on the U.S. economy. Rather than wait for them to vanish slowly, the pragmatic choice is to strategically accelerate the transition to paperless payments.”
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada
SCAI UCO | Virtual tour generated by Visitas Virtuales Granada
Virtual tour generated by Visitas Virtuales Granada