The Motorola Razr flip phone was considered the cutting edge of technology the last time rates were on the rise. Clearly, technology has changed. But have depositors' habits changed, too?

At some point, rates are bound to start rising after a long slog at nearly zero. When they do, they will be rising in a completely different world — one where more than a quarter of new accounts are opened outside of a bank branch, according to a recent Aite Group study, and where a slew of fintech startups are trying to make new account openings super quick.

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