Bearing in mind the option of dealing with the Post Office wondering what type of persons will be most affected by some local Bank Branch closures. I am retired with pension being lodged directly into my account. I use the ATM to get cash and as many bills i can are paid by Direct debit. Consequently i have not been inside a Branch for years. On the other hand when farmers sell cattle at Marts can their cheque in paymnet be lodged direct to their account; likewise re payment for milk delivered to creameries.