When people say Millennials are making an impact on society the statement is usually kept vague on purpose, because that impact isn't generally quantifiable.
But one particular Millennial made an undeniable impact on the banking industry when he tried to use an emoji as his savings account nickname.
How long do you think it will be before a Millennial officially changes their name to an emoji?
-Via FAILBlog
But you're right about banks not being ready for millennials. My kid has had all kinds of problems with banks. She is 19, has some funds, a job, great grades, and plenty of documentation, but she's still treated like she can't be trusted with her own money.