Bank branch closures
Discussion
What do you use them regularly for?
If its a physical thing, like paying in cash, find out where you can do that locally, and if your bank wants to charge fees for it, consider moving banks.
At some point in the near future, cheques are going to move to "take a picture in the app", so those don't count.
If its a physical thing, like paying in cash, find out where you can do that locally, and if your bank wants to charge fees for it, consider moving banks.
At some point in the near future, cheques are going to move to "take a picture in the app", so those don't count.
I'm a bit old fashioned and have banked at that Branch ( formerly Williams & Glynn) for over 35 years. I pay cash and cheques in, and can do this at the local Post Office. What I can't do is pay my monthly credit card bill , which I do in the Branch - sometimes by cash and cheque. I can also get a mini-statement or readout from the last 'x' number of days ( where x can be anything up to 90 days or so). This can't be done at another Bank or PO.
I accept I'm going to have to change bank accounts, but was interested in what others have done.
I accept I'm going to have to change bank accounts, but was interested in what others have done.
I bank with rbs, since having to open an account in an emergency in '02 after the a+l decided to play silly games - basically they were the only bank that could have facilities in place in days as opposed to weeks and I was basically "insolvent" without.
Given their publicised conduct since I'm very tempted to shift accounts but its such a ballache, I know for a fact clients will still be crediting the wrong account 5 years into the future no matter how much I try to alert them.
Porting or forwarding bank account nos, that's what we need.
I also have to pay in cheques which makes a local branch useful.
Given their publicised conduct since I'm very tempted to shift accounts but its such a ballache, I know for a fact clients will still be crediting the wrong account 5 years into the future no matter how much I try to alert them.
Porting or forwarding bank account nos, that's what we need.
I also have to pay in cheques which makes a local branch useful.
Ah, then there may be an issue. Most retail banks are on a huge efficiency and cost cutting drive, and your requirements don't easily match those. You might find what you want in one of the more bespoke banks, at a price, or you may try giving in to the technology a bit. You can print your own statements these days, you know 
Good luck with it though.
Good luck with it though.
It depends on whether you live in a reasonably sized town or a smaller one.
I don't think that bank branches will exist at all outside of larger towns within 10 years or so, so if you aren't in one, you could find yourself constantly changing bank accounts as the next branch closes.
Which other banks have branches in the area you are based in?
I don't think that bank branches will exist at all outside of larger towns within 10 years or so, so if you aren't in one, you could find yourself constantly changing bank accounts as the next branch closes.
Which other banks have branches in the area you are based in?
Eric Mc said:
Yes - banks are so unprofitable these days they have to cut branches in order to survive.
Why Eric, you seem to have missed the sarcasm smileys 
Retail arms generally are not hugely profitable, and the constant threats to enforce separation of retail and investment arms means that any sensible UK bank need to make sure that if Jeremy gets elected, and his first act is to separate, then they have more options than calling the shop glaziers and placing an urgent order for thousands of bits of hardboard, and the same number of CLOSED signs.
I know it's up to you, but it seems more that you're making your own life harder for yourself.
If you use online banking elsewhere, then you're capable enough to use it in general. Going into branch to pay off your credit card when you use online banking elsewhere is a bit like only using the local library computer to check the weather when you have and use the internet at home.
You can still have paper statements sent to you each month, or alternatively you can login to see your transactions for many many months...
If you use online banking elsewhere, then you're capable enough to use it in general. Going into branch to pay off your credit card when you use online banking elsewhere is a bit like only using the local library computer to check the weather when you have and use the internet at home.
You can still have paper statements sent to you each month, or alternatively you can login to see your transactions for many many months...
randlemarcus said:
Why Eric, you seem to have missed the sarcasm smileys
Retail arms generally are not hugely profitable, and the constant threats to enforce separation of retail and investment arms means that any sensible UK bank need to make sure that if Jeremy gets elected, and his first act is to separate, then they have more options than calling the shop glaziers and placing an urgent order for thousands of bits of hardboard, and the same number of CLOSED signs.
I let the reader work it out.Retail arms generally are not hugely profitable, and the constant threats to enforce separation of retail and investment arms means that any sensible UK bank need to make sure that if Jeremy gets elected, and his first act is to separate, then they have more options than calling the shop glaziers and placing an urgent order for thousands of bits of hardboard, and the same number of CLOSED signs.
Greshamst said:
I know it's up to you, but it seems more that you're making your own life harder for yourself.
If you use online banking elsewhere, then you're capable enough to use it in general. Going into branch to pay off your credit card when you use online banking elsewhere is a bit like only using the local library computer to check the weather when you have and use the internet at home.
You can still have paper statements sent to you each month, or alternatively you can login to see your transactions for many many months...
How you bank is not just about your own personal choices. Depending on your banking needs. you may be dealing with people who pay you in all sorts of different ways. I still have some clients who pay me by cheque. The number is diminishing but it hasn't disappeared ciompletely, and probably won't for a few more years at least.If you use online banking elsewhere, then you're capable enough to use it in general. Going into branch to pay off your credit card when you use online banking elsewhere is a bit like only using the local library computer to check the weather when you have and use the internet at home.
You can still have paper statements sent to you each month, or alternatively you can login to see your transactions for many many months...
I also act as a treasurer for a charity. Because of the nature of what we do, we still get multiple payments to us in the form of cheques. This will decline over time but it is still a substantial part of how we bank our income.
So, we need handy branches for a few more years yet.
Eric Mc said:
How you bank is not just about your own personal choices. Depending on your banking needs. you may be dealing with people who pay you in all sorts of different ways. I still have some clients who pay me by cheque. The number is diminishing but it hasn't disappeared ciompletely, and probably won't for a few more years at least.
I also act as a treasurer for a charity. Because of the nature of what we do, we still get multiple payments to us in the form of cheques. This will decline over time but it is still a substantial part of how we bank our income.
So, we need handy branches for a few more years yet.
Actually, no you don't (or at least won't).I also act as a treasurer for a charity. Because of the nature of what we do, we still get multiple payments to us in the form of cheques. This will decline over time but it is still a substantial part of how we bank our income.
So, we need handy branches for a few more years yet.
https://www.chequeandcredit.co.uk/cheque-users/bus...
Take smartphone, open HappyBank (tm) App, click "pay in a cheque", take a picture, and voila, one cheque paid in. Ask your bank about it.
Eric Mc said:
How you bank is not just about your own personal choices. Depending on your banking needs. you may be dealing with people who pay you in all sorts of different ways. I still have some clients who pay me by cheque. The number is diminishing but it hasn't disappeared ciompletely, and probably won't for a few more years at least.
I also act as a treasurer for a charity. Because of the nature of what we do, we still get multiple payments to us in the form of cheques. This will decline over time but it is still a substantial part of how we bank our income.
So, we need handy branches for a few more years yet.
In your situation, yes branch closures would be difficult, I agree. I also act as a treasurer for a charity. Because of the nature of what we do, we still get multiple payments to us in the form of cheques. This will decline over time but it is still a substantial part of how we bank our income.
So, we need handy branches for a few more years yet.
But for the OP, everything he prefers to do in branch can be done very easily without them, and he already possesses the ability to do so.
randlemarcus said:
Actually, no you don't (or at least won't).
https://www.chequeandcredit.co.uk/cheque-users/bus...
Take smartphone, open HappyBank (tm) App, click "pay in a cheque", take a picture, and voila, one cheque paid in. Ask your bank about it.
Tell that to the hundreds of people who pay us at the charity. I can cope with the new technology. Not all those who deal with us can.https://www.chequeandcredit.co.uk/cheque-users/bus...
Take smartphone, open HappyBank (tm) App, click "pay in a cheque", take a picture, and voila, one cheque paid in. Ask your bank about it.
And I'm not so arrogant to tell them we don't want their money unless they pay us in such a way that suits some fat cat bankers. And I'm not so arrogant that I want to force our clients to pay us in a way that suits us and not them.
In time, no doubt, those who like using old fashioned ways of making payments will fade away. But in the meantime, the system has to facilitate everybody.
I never go into a physical bank anymore.
However, I can see that branches do have some uses. My mother has dementia. She was being taken for a ride by door-to-door salespeople, so we took away all her access to money - cards, cheque book etc. (she gets all her food delivered). However, we set up a arrangement where she can go into her local branch and ask for £20. They know her well enough to just take it out of her account with no ID (they probably shouldn't but it suits us very well). That branch will close this year. I will have to pop round and give her the £20 when she needs it. Another erosion of her independence.
However, I can see that branches do have some uses. My mother has dementia. She was being taken for a ride by door-to-door salespeople, so we took away all her access to money - cards, cheque book etc. (she gets all her food delivered). However, we set up a arrangement where she can go into her local branch and ask for £20. They know her well enough to just take it out of her account with no ID (they probably shouldn't but it suits us very well). That branch will close this year. I will have to pop round and give her the £20 when she needs it. Another erosion of her independence.
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