How do community financial institutions (FIs) stay relevant during and beyond the pandemic? Well, the first thing is, leadership needs to change its view of what digital banking (and digital marketing) means. When ATMs hit the US scene in 1969, this was the first wave of what has become known as digital banking. In this iteration, it was about automating certain transactions – deposits, balance checks, withdrawals - so customers could access their accounts without having to go into a bank.