Bank lines are the new soup kitchen lines. In a day and age where very few people can pass a drug test, and/or background check, it makes it tremendously difficult for banks to get trustworthy help. This workforce problem is coupled with the problem of an unmotivated youth population base. The effects of an unmotivated workforce culminate in long lines at the bank. When the banks do hire people, they stay just long enough to gain enough experience to leave small towns like the one I live in, which makes it very difficult for small businesses like ours to be sustainable. Especially when only counter credit teller deposits are the only method to insure direct deposits into your account, where every other possible deposit method can take from the next business day up to a week around the holidays. The above picture is any typical time on any given day, which stresses business to the limit when time is money.