I worked for a regional ISP in my previous life and had many, MANY bank locations across the Midwest using a T1 that fed off my global bandwidth pool, or sold SDSL connections to that were equally available to retail customers. Most smaller banks aren't connected with a series of point to point "tubes" as you might be suggesting, but have a average aDSL connection. For a redundant connection one bank had one of those Nexland boxes using an aDSL connection and a cable connection - is that consumer grade enough for you?
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I worked for a regional ISP in my previous life and had many, MANY bank locations across the Midwest using a T1 that fed off my global bandwidth pool, or sold SDSL connections to that were equally available to retail customers. Most smaller banks aren't connected with a series of point to point "tubes" as you might be suggesting, but have a average aDSL connection. For a redundant connection one bank had one of those Nexland boxes using an aDSL connection and a cable connection - is that consumer grade enough for you?