A few years ago, the outlook for local bank branches was grim. The conventional wisdom was that small-business banking would move online, eliminating the need for trips to the local branch. But that hasn't happened. Instead, small-business owners and managers are making even more trips to the bank these days than they did three years ago. A survey by Greenwich Associates released in May found that 37 percent of respondents visit their bank branch at least once a day, and 35 percent visit it every two to three days.