Unite, the country's largest union which represents RBS staff, branded the bank's accelerating closure programme as "wholly negative and counterproductive" for the affected communities.
This week saw the announcement of the closure of three NatWest branches -
Unite accused RBS of backsliding on its commitment to maintain a banking service 'where we are the last bank in town (LBiT)' - and said that 48 of this year's 100 closures are classified as LBiTs.
Unite national officer for finance
"Nearly half of this year's 100 closures mean that these communities now don't have a bank - and surveys have shown that people like the face-to-face contact that having a physical presence in the high street provides.
"Pensioners; those who have mobility issues; and those without internet access are being particularly hard-hit by these closures in their towns and rural areas.
"Unite is not alone in believing that banks, especially those owned by the taxpayer, have a duty to the wider community. We believe that many of the branches that have been closed were making a profit - and their closure is aimed at just increasing profits.
"We call on RBS to reconsider its closure programme and that it understands that it has a moral duty to maintain a presence in towns where it is the only bank.
"This is one way it can rebuild the public's battered trust in the banking system."
NatWest was taken over by the RBS in 2000.
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