Bank branches seem to be sprouting up everywhere, which is odd considering that, for the most part, we are using them less and less.

"2014 was the first year where consumers for the first time were interacting more with their bank through mobile channels than any other channel," said Luvleen Sidhu, Chief Strategy and Marketing Manager at BankMobile. "And if you look at the trends, people are now visiting bank branches on average at most one to two times a year."

That is compared to the 20 to 30 times a month they conduct some sort of banking through their mobile device. That's because at this point, pretty much everything you used to have to wait in line to do at a bank, you can now do online. 

"You do not need to deposit a check at a bank branch anymore," said Sidhu. "You do not need to transfer funds at a bank branch anymore." 

Sidhu is the chief strategy and marketing manager for BankMobile, which isn't so much internet-based as it is app-based.  Like other banking apps, your phone or tablet essentially becomes the teller's windows, using the built-in camera to make both deposits and payments.  She says consumers are becoming more and more comfortable with digital banking and not just the cool kids. 

"So we definitely believed initially that this would be really the bank for millennial, the tech savvy generation that's almost tech dependent," said Sidhu. "But what we have found, surprisingly, is that about 55% of our customer base today is above 35 years old."

Which isn't to say everyone is ready to ditch the old deposit slip and go paperless.  One thing that may be keeping them tied to their branch is a concern that internet or mobile based banking isn't as secure. 

Sidhu says, not so.

"If you have a bank charter, you're FDIC insured," said Sidhu. "So whether you have a bank branch where you can see that physical location, or it's now all on a mobile app, the degree of which you are compensated for any fraudulent activity or any loss of funds is absolutely the same."

The other concern has to do with protecting your account and your identity.  That's a worry you can at least partially ease by being smart about where use your smartphone.

"When you are at a Starbucks, when you are using public Wi-Fi, don't do your banking," said Sidhu. "Do it when you are at home and using your safe Wi-Fi."