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    Each time I go into my HSBC branch in Dover and other banks I use in Dover I am asked if I would prefer to do everything on line .

    I have tried to explain that the more I do on line the more chance the bank will have on closing the branch .
    I hear now HSBC are closing over 60 branches .

    Over the years the branch had been given less and less authority to do things .

    Is this the way we are heading ?

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