When Betty McKennon, 83, needs to deposit a check, she walks down the hall of her retirement complex in Freehold, N.J., to the OceanFirst machine. It looks similar to an ATM, but if she needs assistance, she presses a button to start a video chat. Kevin Williams pops up on the screen to assist. He’s at his desk 30 miles away in Toms River, N.J., but McKennon knows him by name. He’s her neighborhood teller, even though they’ve never met in person.