"Someone who applies for a bank-teller position might also be a customer or potential customer, and we were letting those applications fall into a black hole, " she says.

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In New York, the bank is preparing a fleet of commercial trucks and mobile-home trailers that can double as roving automated teller machines or bank branches on wheels.

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During her college years, in the early nineteen-seventies, she worked briefly as a teller at a small-town bank, like the ones that make up the bulk of the F.

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Diebold, a 144-year-old Ohio maker of bank safes and automated teller machines, will spend thousands of dollars translating the guidelines into 13 languages.

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"Imagine a bank teller who's working with cash-counting machine in the basement of the bank, " Negrusz said.

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And one of the challenges in terms of rebuilding our economy is businesses have gotten so efficient that -- when was the last time somebody went to a bank teller instead of using the ATM, or used a travel agent instead of just going online?

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For a bank, those channels could include automated teller machines (ATMs), bank teller terminals, Web pages, mobile apps, point-of-sale machines in retail, human-staffed call centers, and automated call systems.

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