The US citizens are gradually embracing mobile banking channel, with 10% of consumers currently preferring it against 8% in 2013, reveals a data released by the American Bankers Association (ABA).

On behalf of ABA, a market research firm Ipsos Public Affairs has conducted the annual survey of 1,000 US adults.

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About 31% of respondents said they use internet banking through laptop or PC to manage their bank accounts, down from 39% in 2013, according to the study.

The survey underlined that still one-fifth (21%) of Amercians prefer branch visit in comparison with 18% in 2013, while those preferring to use ATMs rose to 14%.

The American Bankers Association consumer protection and payments deputy cheif senior vice president Nessa Feddis noted that this growth reflects banks’ recent investment in technological upgrades to enhance efficiency and customer service in these areas..

Feddis added: "Advances in technology have enabled banks to expand customer choices and make it easier for consumers to manage their account anywhere, any time.

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"Consumers can deposit their check through a teller or interactive kiosk at a local branch, at an ATM or through an app on their mobile device. Most people use a mix of these methods.

"When people are conducting a complex transaction like opening an account or applying for a home or business loan, they often prefer to do it in person.

"We’re seeing a branch renaissance in some areas, with many banks transforming their branches to become more efficient and customer-friendly."