In the era of mobile apps and digital banking, it’s not surprising that several banks are shuttering some of their branches.

In the long term, branches will continue to exist, but specific aspects of the banking experience will evolve.

Top banking priorities: 91% of respondents view digital banking as an important factor in choosing where to bank, on par with security and fraud protection and quality customer service.

Maybe you've seen ads for these new online banking apps that offer fun things, like prizes or contests. But be careful. There might be a catch to them. Planet Money's Erika Beras brings us this ...