All applications start online. If you pass the math/personality test, they will contact you by phone for interview #1 by a recruiter. If that goes well, interview #2 will be at the branch you are applying for in person. Interview #3 will be on the phone with the district manager. Job offer will come by phone from the same recruiter. I found out later that HR originally passed on my application even though I passed the math/personality test. I showed up in person every other day dressed nice and kept asking them about it (at two different branches in town). Finally a manager took notice and emailed the recruiter for me. That's how it all started and I guess I interviewed well. The hardest "question" was "Describe a time where you broke the rules/policy and why." They want to hear that you will go to bat for a customer and advocate, without being a problem employee with following the rules. They want to hear that you went up the chain of command in a special situation, and didn't just disregard the rules.