Does it seem like there is a bank on every single corner? Everybody needs a bank to cater to their different requirements which is exactly why we're now seeing new community banks, state chartered financial institutions, and even nationally chartered banks doting on our landscape.

Banking is really a very personal activity and folks constantly look for an environment that they really feel comfortable in. The result seems to be one more new branch of an existing bank or a new bank opening up on your corner.

What are your financial hot buttons? Is it the convenience, dependable customer service, familiarity with their financial services providers, product selection or maybe rates.

Usually there's a mixture of factors that can lead you to develop relations with a bank. If all banks met all demands there probably would only be about eight huge banks in the country.

Banking is often a profitable business. It is federally and state regulated so it provides a certain sense of security to investors. The risk level is decreased so there always seems to be a good supply of investors out there for start-up banks.

Two key elements in the success of that brand new bank opening up down the street from you could be the leadership of that bank such as a CEO who is well-known, respected and has a long-term successful community reputation.

The second factor would be a board of directors and investors which have a strong net worth, believe in the mission of the bank and make a personal significant investment. Staying power is crucial.

Many organizations and people follow their fsp from bank to bank. Many times the path will result in an existing, or brand new community, or small offshore bank.

A clients' desire for personal banking relationships will continue to drive the opening of the new neighborhood bank.

The advancements in technology have allowed the new banks to play with the big boys and deliver the sort of services that are becoming demanded by their clients. An example could be on-line banking which reduces the inconvenience problem.

There is a tremendous quantity of wealth in the United States. That truth will continue to drive the expansion of existing financial institutions and start up new ones.

The owners of that wealth continually look for a combination of elements from their bank which include understanding their needs and meeting their service requirements. Demand will continue to drive the supply of new banks. That's why there's a "bank on every corner".

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