Bank (and credit union) branch design is currently focused on smaller footprints, but this is by no means a universal trend. The larger picture in branch design and construction shows that branches are being designed for specific marketplaces, based on which distribution channels for services are dominant in those marketplaces. Main street financial brands still recognize the importance of customer service, efficiency and convenience as differentiators, but distribution channels are fast becoming the chief shaper of how branches look and function. Retail banking has adopted myriad transformative elements over the past decade, but the influence of financial distribution channels and how they dictate branch network planning has been largely underreported. This paper discusses the ways in which new branch designs are centered on location-appropriate service channels and not just on new branch elements or configurations.