Times they are a-changing.

Most banks have a machine for paying in cheques and for paying in cash ( well, HSBC do anyway), so this is a solution to the emptying piggy bank scenario! Straight into your account, and all done.

Yes wot, but not all !

Internet banking is so much easier I haven't used a real bank for years and I always use ATM s I do use a combination of cash and a debit card

I expect all our banks will be gone soon they are almost surplus to requiments

The last bank in our town is set to close on 1st October this year making banking as we once knew it just a part of history. I am told by my neighbour that this is all part of the move to a cashless society where the money supply is tightly controlled making it much easier for creaming off a percentage of everyone's balance when the need is felt by the powers that be. Apparently all 'they' need to do is flick a screen! Presumably taxation will be more of a doddle too although undoubtedly some bright spark will find a way round that one.
Those of us who are sufficiently bolshy will probably revert to barter!

I have been using online banking for years, however I don't like the ATMs, having read too many stories about how they can have fake fronts put on them. I rarely use cash but when I do want to make a cash withdrawal I prefer to see a real person.

Not sure if your aware but you can pay money into certain bank accounts through the Post Office.

I take cash to post office and put it in my x account as the Branch of x is now closed, it goes in instantly.

I will not use ATMs in the street and I get 'cash back' when shopping. I have a local branch of my bank within walking distance, which I visit when occasionally necessary to speak to a cashier in person, eg before making unusual (for me) transactions. The details are then noted on my account such as who I'm making a large payment to or where I'm going abroad. I always check my statement and it all works for me (smile)

Seems that not many do mobile banking on their phones, it's my go to choice now and it works seemlessly for us never had one thing go wrong .

We also have a bank (H's) who will no longer take change, and the Coinstar machines take 10p in the £ so we don't collect them any more.

My granddaughter emptied her money box, we arranged I should pay it into my bank account and transfer it to her. Bank nearly had a heart attack......can't pay coins in even though they are bagged into correct bags, totalled etc etc! So be warned only pay in tiny amounts .....obviously in correct bags etc!

They want us all to bank online in the future and make even more profit.
I know lots of people of my age who have never used a computer and never will but the next generation will just have grown up with it.

I still have a branch of my bank in the town where I live and go in there if I want to take out cash or get "cash back" in supermarkets/local shop. I hate ATM's and won't use them. I do online banking to keep tabs on my ingoings/outgoings but my lovely daughter does any transfers between accounts for me if needed. I'm not sure why but doing it myself makes me anxious ( silly I know but she doesn't mind) . I much prefer to speak to someone than do something with a machine . What about the cost to people's jobs?

To be honest the only real problem we've ever had was with a bank transfer done through our actual bank, in person. They completely fouled it up, but we did get a bottle of wine as an apology.

On line banking is getting better. I have accounts in the Uk and here in Germany. Transferring money used to need a lot of forms filled in and checked and worked out and now I send it on my computer and its transferred and availabe within 2 days.

Oohh! Can you put cheques into an ATM!?

I have mentioned before that at least two towns locally have no physical banks at all, and one of the ones in Holsworthy has shortened it's opening hours, and another one is set to close soon.

We have also lost our village post office, and instead have to rely on a mobile post office, I.e. a van. Add to this that the public transport from here to Holsworthy consists of one bus a week (yes, a week) and you can see the obstacles that many face.

I've been doing internet banking for about 10 years now. If I need to go into a branch, I'm only 5 minutes drive from the Metro centre, which has one of the few branches now open. Touch wood never had a problem.

I've been using on line banking for about 6 years. On occasion I go to my local branch which is only 10 minute walk distant.

Out little town used to have 5 banks and several Building Societies. Now we have 2 banks.

My dh doesn't bother with on line banking. His bank in our town closed and his account was moved to a town 10 miles away. After a year that branch closed and it is now 18 miles to the branch where his account is held.

Dh isn't stupid and can begin on line banking any time he chooses. But what about the infirm, the aged who can no longer drive, those who are not internet savvy.

We pay cheques in at the machine and get a 'photograph' of the receipt if the queues are too long at the tills. We also do internet banking and have never had a problem (so far!).

Our main city branch is all machines now; we don't use it for anything but cash withdrawals. The local branch (well, nearest - half a hour drive away!) still has counter staff, but they think they are living on borrowed time as the bank are cutting branches right left and centre at the moment. They will force people to use counterless technology whether they are comfortable with it or not.

Probably she realised, during her blether, that she was on the wrong script hence she changed to the one where she gave you the English notes.

Next time I'll wait till I get to England to withdraw money.

Before I got the train south to my DD1’s recently I popped into a bank to ask them to exchange my Scottish notes for English ones because Derbyshire shops are not keen on Scottish ones. Cashier explained that she couldn't do it, I needed to go to my own branch, did I have one? yes, in Oxford, oh. So she bletgered on a bit about having to account for every penny, which I know they do, and about the fact that she couldn't pay anything out without transactions but I couldn't do the transactin there.

I must have looked gobsmacked amazed. Anyway, she changed my notes. Very kind, so I said so and thanked her thinking, as I left to catch my train, that I hadn't asked her to pay out, I'd asked her to just give me the same things with different pictures on them. The amount of money, even the number of certain notes she had in her cash box were not going to change.

Still baffled.

Our post office sometimes gives me coins for notes when I ask (for Minibags's busfares which have to be exact round here). What's the difference?

I rarely go into the bank anymore - I use Sainsbury's ATMs!! And the Internet but I love going to the bank for the gossip from the cashiers who have been there for as long as I have.

We do the 'She's not really 30, I remember when you were pregnant with her' etc etc.

DS's bank is just a hall full of machines and a couple of people wandering around to help little old ladies!!

I'm afraid I'm an old dinosaur when it comes to Internet banking......If the evil doers can hack into The Pentagon, they can get at my pension! (Walks off into sunset muttering to self....)