I have done some research in this. "The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 removed many of the restrictions on opening bank branches across state lines." Also I know of a few states early 1980s and maybe latter (I did not go though law changes, just view an old Federal Reserve report) that there were laws that prohibited branching out more than 25 miles from the main bank branch so the banks where not too big for the britches.
States that used an antiquated [unemployment insurance]-benefit system experienced a 2.8 percentage point decline in total credit and debit card consumption relative to card consumption in states with more modern UI benefit systems.
Seeing I thought about that yesterday. When I also seen that quote and I am glad geekmux here today on /. had a comment quoting that as well my thoughts are banks have evolved, though not every bank, more locally owned ones tend to be better, is that back in the later half of the 1980s when there was a Savings and Loan crisis that is still when you had very many savings banks. Banks even called called them that in their name. Now lots of the banks want you to have their card and are efficiency spending banks.
Also that don't show for stuff like spending with checks to contractors for say for example home repairs or cash spend in a store.