Banking is and has been overdue for a makeover. For the most part, the majority of the banking industry is still antiquated but thanks to technological advances in the last couple of years, this is starting to change. I remember not so long ago standing in line for over 20 minutes to open my first bank account and thinking how ridiculous it was to wait so long to give someone else my money. Add to that, how many banks were charging so many fees, and consumers were starting to smarten up and realize that they did not have to accept that--the shift was bound to happen. As we enter into this first quarter of 2018, there are many changes that we will start seeing banks adopt.