Bank branches are being closed at a startling rate.

Earlier this year here in Cranleigh, the HSBC branch was closed and bets are being taken on whether it will be Lloyds, Barclays or Natwest to go next; the smart money is on Barclays, who are only open four days a week at the moment.

There is no doubt that consumer behaviour is changing and a visit to a bank branch is less common these days than in the past.

The rise of Internet banking makes branches redundant for many, although it's important to recognise the great many customers who still rely on a local branch network.

As bank branches continue to close, we hope to see better arrangements for customers, allowing them to use 'the last bank in town' or at least make use of Post Office counter services.