With respect to the hardworking tellers out there, let's call this one like it is: in 2009, to complete the large majority of banking transactions, physically going into your branch isn't really necessary. We're sorry, it's just not. We love the personal touch and everything, but there's no sense in sugar-coating this anymore. Yet as handy and ubiquitous as online banking has become, some suggest the service has plateaued, leaving way to the next big thing in managing your money. And what's all the fuss about mobile banking, you ask? Well, it happens there's quite a bit to discuss, so sit back and relax. Today, MSN ponders the yay's and nay's of mobile banking.