Building Type Basics for Banks and Financial Institutions
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Essential information for the design of banks and financial institutions

Building Type Basics for Banks and Financial Institutions is your one-stop reference for the essential information you need to confidently begin the design process and successfully complete the design for a bank or financial institution, large or small, on time and within budget. A renowned architect in the field shares his firsthand knowledge in order to guide architects, planners, engineers, and their clients through all aspects of the design of banking facilities.

This comprehensive guide features a number of recently constructed and renovated banks—from small neighborhood branches to large headquarters. It highlights design issues as well as planning and zoning, office space versus customer space, and overall security.

Building Type Basics for Banks and Financial Institutions begins with a basic overview of the history of banking and financial institutions, then explores the classic designs of the past along with the important considerations involved in building modern banks, including drive-up lanes, ATM facilities, and high-tech teller stations.

This quick reference:

Addresses key questions that arise when launching a banking facility design project

Offers insight from an architect with more than forty years of experience in the design of more than one hundred banks

Provides the best contemporary examples complete with photographs, diagrams, floor plans, sections, and details

Not only does this book offer current, authoritative information, its comprehensive coverage and logical organization also save you countless hours of research.

Building Type Basics books provide architects with the essentials needed to jump-start specialized facilities design. Each volume features leading experts in the field who address the issues that shape the early phases of a project in a convenient, easy-to-use format.

HOMER L. WILLIAMS, D.ARCH, FAIA, is principal of Williams Spurgeon Kuhl & Freshnock Architects (WSKF) in North Kansas City, Missouri. He has more than four decades of experience in the design of more than one hundred bank and financial service projects. He is a past president of the National Council of Architectural Registration Boards (NCARB), and received his doctorate in architecture at the University of Hawaii.





Chapter 1 History of Banking.

First Money Changers to European Banks.

Banks in the USA.

Classic Style to Richardson.

The Federal Reserve Act.

Louis Sullivan and the Prairie Style.

Chapter 2 Financial Institutions Defined.

The Regulators.

Commercial Banks; State and National Charters.

Savings Institutions and Mortgage Banking.

Credit Unions.

Chapter 3 Brand Identification.

Brand Identification and Retail Merchandising.

Chapter 4 Programming the Facility Needs.

Checklist for Financial Institutions.

Chapter 5 Development of Drive-up Banks.

Early Drive-up Banks.

Teller Occupied Kiosks .

Pneumatic Tubes and kiosks.

Chapter 6 Selecting and Planning the Site.

Planning and Zoning.

Conventional Drive-up.

Face-up Lanes.

Direct-Bury and Remote Lanes.

Commercial Lanes.

ATM Facilities.

Canopy Design.

Site Signage.

Chapter 7 Building Design Considerations.

The Floor Plan.

Conventional vs. Teller-less.

Teller Stations, Islands, and Auto Teller Machines.

Existing Branch Transformation.

The Boutique Bank/Shop.

Prototypical Design.

Supermarket, Airport, and Mall Facilities.

Internet Banking.

Select Market Banks.

New Products and Services .

Single or Multi Floor.

Lease Space and Future Growth.

Basements and the "Community Meeting Room".

Operational Space Needs.

Lobby and Waiting.

Check Stand.

Offices: Permanent Walls, Cubicles, and Open Desks.

Conference and Board Rooms .

Work Rooms and Check 21 .

Vaults .


Files and Records.

Break Rooms.


Building Codes .


Construction Cost Comparisons.

LEED and Green Building Design.

Chapter 8 Mechanical, Electrical and Plumbing Systems.

Chapter 9 Bank Workroom Equipment.

Conventional Equipment.

Check 21 Equipment.

Chapter 10 Specialized Bank Equipment.

Remote Drive Teller Systems.

Conventional and CCTV.

Private Video Teller System.

Cash Dispensing and Recycling Machines.

Conventional Teller Equipment.

Drive-up Windows and Drawers.

Night Deposits.

Cash Vault Locker and Safes.

Vault Doors.

Safe Deposit Boxes .

ATM Facilities: Thru-wall, Free Standing, or Island.

Chapter 11 Featured Facilities.

20 selected from across the USA including: Various Branch Sizes and Types.


Existing Branch.

Previously Non-Bank Buildings.

Larger Headquarter Banks.

Chapter 12 The Future of Bank Architecture.



Appendix A Federal and State Regulators.

Appendix B Banking Organizations and Agencies.

Appendix C Bank Equipment Manufacturers.

Appendix D Financial Information Links.

Appendix E Featured Architects.