Even the kind of consumer who is always connected to the Internet may still crave a human connection when it comes time to open a bank account.

Consider Regions Financial. The Birmingham, Ala., bank recently launched an online tool that helps determine which checking account is best for its customers — or prospective customers — by asking a series of questions: what features they need, how much they receive in direct deposits each month, how many checks they write in a month, and so on.

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