We have a similar problem here, I'm in a town with around 5,000 people living in it.

When I first arrived about 8 years ago we had 4 banks, we now have just one that's only open 3 days a week and closes for lunch...............

The one ATM that we have in town regularly runs out of cash as well.

We've been told that that branch is closing later in the year (along with every other branch of theirs - Bank West - and ComBank is taking over - they closed their branch here about 2 years ago - so we are likely to be without any banking facilities here in the next year or so.................