I live about 5 miles from a major town in the North West. I could be a few miles outside the M25 and face the same problem.
I am retired but could easily still be working based at my home and not needing to commute to a town each day. Many other employees find themselves moved to out of town business parks as companies economise.
Barclays are now shutting the nearest physical bank in May.
Our local SPAR has now become the Post Office, however like the majority of this type of branch, it is not a Link based.
As I don’t run a cash based business, I don’t need to pay in cash to my Starling Account. For some small businesses eg window cleaner this could be an issue.
The key things are Paying in the odd cheque and withdrawing cash.
I bank with several banks and with the notable exception of Starling all the others provide FREE paying in of cheques at all Post Offices, with the clearing processing taking an additional day.
The also use the Visa Debit system, this allows withdrawals at any Post Office.
I appreciate envelope paying in is on the horizon.
As the bank appears to punish departing good customers with a 12 month embargo on reopening an account.
I will be keeping the account open with £1 and mothball it until withdrawals at any Post Office without charge becomes available.