Big banks (Philadelphia's most popular include Wells Fargo, Citizens, TD) counter by offering sophisticated banking software for smartphones and other remote devices and tying customers closer by offering multiple bill-paying and account-monitoring services that are inconvenient to replace. They also continue to offer multi-state branch and ATM networks (though some, like Citi, have been shutting down whole regions). The number of small banks in the U.S. is dwindling as more are acquired in mergers than are founded each year.