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Bank of America will discontinue drive-up teller service at 12 Nashville area branches next month, a move a spokeswoman attributed in part to low use by customers.

Metro Nashville's largest banking player by market share of federally insured deposits also is reducing in-branch service hours at least 15 area branches mostly by an hour a week.

For example, on Fridays, affected locations will close at 5 p.m. instead of 6 p.m., spokeswoman Tara A. Burke said. However, some affected branches will now close at 4 p.m. Monday through Thursday instead of 5 p.m.

Locally, both changes are scheduled to go into effect on Monday, July bank of america open late near me. These moves have already been implemented in several of the Charlotte, N.C.-based Bank of America's other markets nationwide.

"The customer use is so low that it doesn't make sense from a business perspective to have them open, " Burke said about the drive-up teller windows, adding that most of the affected branches have ATMs as well as drive-up tellers at branches within one to three miles away. "There's such a change in the number of customers that are banking online and by mobile phones that this is really in response to that — the change in customer behavior."

Bank of America at Highway 96 and Royal Oaks Boulevard in Franklin, where David Moore has banked for 30 years, is among the affected branches. "As a senior citizen using a cane to walk, the elimination of the drive-thru area will be a tremendous hardship for me to continue banking there," said Moore, a customer of that location for 30 years.

In addition to that Franklin branch, locations in Nashville, Brentwood, Murfreesboro, and Smyrna will also be affected by the bank's changes.

Statewide, Bank of America operates 58 branches. In some cities nationwide but not yet Nashville, the bank launched ATMs with live access to a teller seven days a week where clients can handle a majority of transactions, including cashing checks down to a penny, as late as 10 p.m., Burke said.

Jeff Davis, an analyst at Mercer Capital in Nashville, said changes Bank of America is making to its branches reflect how banks nationwide are bank of america open late near me behind the curve relative to where technology is in terms of delivery of bank services. "Technology is rendering bank branches to be very expensive billboards," he added. "They're not going to go away, but it's like retail where the superstore is out and it's all about a smaller footprint to show the product but consumers are going online to order the product."

In the past 10 to 12 years, usage of branches as measured by foot traffic that drive transactions in terms of cashing checks or making deposits declined each year, Davis said.

Burke said the changes at Bank of America won't result in job losses. The bank of america open late near me is also offering clients the option of scheduling appointments before coming in.

Customers are advised to check their branches for new operating hours with locations losing drive-up teller services noted at Bank of America's website.

Reach Getahn Ward at 615-726-5968 and on Twitter @getahn.

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