I have one client who pays me by cheque every month. Everyone else pays by BACS. Apart from that solitary cheque, I never have any reason to go to a bank. Even our last mortgage was entirely arranged by phone and email.

I assume this will be more of a nuisance for retailers and other local businesses that deal in cash and would prefer to bank it every day - but even then, with debit cards used for all but the smallest amounts I suspect the impact will be less than it would have been 5-10 years ago.

As for bank branches turning into hostelries, remember the old signs in pubs that said, "Banks don't sell beer, we don't cash cheques"? How ironic...