A banking group says mobile branches could be the answer for some towns and villages across the region.
Nat West, which is owned by RBS, is already using the idea in a number of communities.
Sedbergh in south Cumbria, now has no banks left after the last two branches closed.
Customers can still access a cashpoint though and the mobile branch will visit twice a week for an hour each time.
This was the reaction from local people:
Rural campaigners fighting to save their local branch of HSBC say they'll continue their battle. The bank, which describes itself as the "world's local bank" says the Appleby branch will close on November 30th because the number of people using it has fallen significantly over the past few years.
At a public meeting a unanimous decision was taken to continue to try to make HSBC change its mind. Local people see the closure as being symptomatic of a wider loss of rural services.
They fear that older people in particular will suffer if the bank accounts are switched to Penrith or Kirkby Stephen, both around half an hour away by car.
They say many older people are not so willing or able to use Internet banking. A petition containing more than two thousand signatures has been gathered to oppose the planned closure.
Lloyds Banking Group has agreed to sell hundreds of branches to the Co-op, including eleven in the Border region.
The bank says there will be no changes to customers at those branches until next year, and will communicate with them about the changes. They will be given the option of either moving to the Co-op or remaining with Lloyds.
The branches to be sold in our region are:
- Castle Douglas