Futures Forum: More high street banks to close in Devon >>> "If you don’t keep a town’s pubs, restaurants, shops – and, yes, its banks – a town starts going into decline."
An alternative might be a new bank servicing the community:
Futures Forum: The Bank of the South West > Tony Greenham's presentation from the RSA in Exeter
Because branches still provide a service:
Do Bank Branches Still Matter? Retail Banking And The Customer Experience - Forbes
And that service often binds communities:
Bank branch closures are destroying our communities | Coffee House
Another idea might be the 'micro-branch':
Has Lloyds come up with a credible shrinking bank branch? | Money | The Guardian
But the 'multi-bank' idea has been rejected for Sidmouth:
Sidmouth resident’s ‘multi-bank’ idea ‘unworkable’
PUBLISHED: 13:00 19 December 2017
Sidmouth's NatWest bank will close next summer. Picture: Google
Banks say licensing issues make a resident’s idea for a ‘multi-bank’ to secure a point of contact for customers are unworkable.
Tim Farndon proposed the collaboration after NatWest was the latest bank to announce that its Sidmouth branch was set to close.
He said the likes of Lloyds and Santander could share operating costs and use technology and specific tellers to handle different enquiries.
A NatWest spokesman told the Herald the idea is ‘unfeasible’ as it would be ‘too complicated’ to secure the licences under one roof.
The bank’s Sidmouth branch is set to close on June 27 after it revealed only 67 customers visit it each week.
A Lloyds spokesman said the bank continues to support customers in Sidmouth, but the Post Office has also increased access to banking services for personal and business customers, who can use it to make cash withdrawals, deposits and balance enquiries.
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