Defence Bank has begun an overhaul of its branch network, opening a prototype state-of-the-art branch in Brindabella Business Park, in Canberra, yesterday.The new branch has no teller counter. Customers can use iPads to do their banking, and they have access to a video link to talk to a lender or financial planner.To give the branch a social dimension, customers can make themselves a cup of coffee and sit at a table to have a drink and a chat.Defence Bank has 43 branches and will be making a call next year concerning how many will be converted to the new design.Defence Bank's chief executive, Jon Linehan, said branches have to change because their use has changed. Linehan said: "Ninety per cent of transactions are now online. Branches are there for product sales, advice and complex transactions like international transfers."Defence Bank has 90,000 members, about half of whom work for the defence forces.