"JPMorgan aims to put 70% of the U.S. population within a 10-minute drive of a branch. At Bank of America, the goal is 80% of the population within a 15-minute drive.

That also means the banks have to learn new ways to capture customers at various income levels. Federal law requires banks to do business in low-income areas, and both JPMorgan and Bank of America say they are committed to having 30% of branches in those tracts."