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RBS is closing 259 branches - one in four of its outlets - and cutting 680 jobs as more customers bank online. The closures involve 62 Royal Bank of Scotland and 197 NatWest branches - twenty of which are in Wales. Today Dot asked - is it time to accept that the era of the high street bank is over? Caller Dave, who used to manage two building society branches, says that the banks' primary responsibility is to their shareholders.