Citizens Bank

Capital One became the latest bank to feel customers' online wrath last week after reports that some customers were being charged twice for debit card activity. But they were hardly alone.

Introducing limits on federally guaranteed loans to graduate students, instead of letting them borrow whatever schools charge, would create a multibillion-dollar opportunity for private lenders.

JPMorgan Chase’s partnership with OnDeck Capital was expected to augur a wave of similar agreements between banks and online business lenders. But so far, most banks have avoided joining forces with companies they also view as competitors.

Fintech has upended parts of the banking industry and made old ways of doing business obsolete. But that's also what makes it an exciting time to be a banker, says Citizens Bank CEO Bruce Van Saun.

At a time when customers are rapidly switching to digital banking, scores of branches are closing. But many institutions — mindful that brick-and-mortar locations remain a critical sales channel — are also experimenting with physical layouts that are focused on technology and generally smaller than traditional branches. In some cases, they have even done away with employees. Here is a look at some of the designs that banks have built as they seek to fuse the physical with the digital.