Royal Bank of Scotland is to close 259 branches resulting in 680 job losses after the state-backed lender said more people are choosing to bank online or on mobile.
The bank, still 72% owned by the taxpayer, is the third this week to announce branch closures and job cuts, following Lloyds and Yorkshire Building Society.
A total of 62 RBS branches and 197 NatWest outlets will be closed by mid 2018 as part of the move and 1,000 roles will be affected.
However, RBS hopes to limit the number of redundancies to 680 by redeploying the remaining staff.
An RBS spokesman said: "More and more of our customers are choosing to do their everyday banking online or on mobile.
"Since 2014 the number of customers using our branches across the UK has fallen by 40% and mobile transactions have increased by 73% over the same period. Over 5 million customers now use our mobile banking app and one in five only bank with us digitally."
However, union Unite described the move as a "betrayal" and ripped into the Government for allowing the closures to proceed.
The union's national officer Rob MacGregor also said that the move could effectively signal the end of banking in branches.
He added: "The Royal Bank of Scotland has decided to decimate its bank branch network.
"Now serious questions need to be asked about whether these closures mark the end of branch network banking.
"This announcement will forever change the face of banking in this country resulting in over a thousand staff losing their jobs and hundreds of high streets without any banking facilities.
"Why is the Government signing off this alarming branch closure programme?"
RBS insisted that it is providing customers with "more ways to bank than ever before".