Just change banks

The simple solution for customers, when a bank closes their local branch, is to change banks. This process takes only about an hour.

If a customer has a mortgage, banks are very competitive in this area and willing to negotiate interest rates including any penalty fees for repaying a mortgage early.

Best of all, change to a New Zealand-owned bank. There are plenty of them and several give a rebate from annual profits. KEITH WILLIAMSON Raumati Beach