Bank bosses condemned another 31 branches to closure today as part of moves being seen as a major blow for many communities.
The Clydesdale and Yorkshire banks - owned by National Australia Bank - identified the banks in the second stage of a review that is expected to result in the closure of 100 sites across the two divisions.
Campaigners have attacked the plans as some of the sites being closed in Scotland today represent the last bank in the community.
Clydesdale announced plans to close 18 branches in the City of Aberdeen and the Aberdeenshire Council area - part of wider plans to lose 60 sites over the next 18 months.
Yorkshire has identified 13 sites for closure - at Hemel Hempstead, Hitchin, Ilkestone, Kings Lynn, Long Eaton, Loughbrough, Lytham St Annes, Melton Mowbray, Morecambe, Nottingham Arnold, Sheffield Hunters Bar, Southport and Stevenage.
The Amicus union said 15 of the 31 sites represented the last branch in town and would have an economic cost and inconvenience to smaller businesses, the elderly and the disabled.
National officer Mary Alexander said: "UK banks provide a crucial service to the community and our economic security depends on them. Amicus is calling on National Australia to reverse this decision."
The two banks said the closures were in response to the changing needs of customers and added that they maintained a strong presence across the core trading areas of Scotland and the north of England.
Steve Reid, general manager for Clydesdale Bank, said: "The decision to close these branches has been an extremely difficult one and we are aware of the potential impact it could have on our customers.
"One of the main reasons behind the closures has been a big shift in banking attitudes - the vast majority of our customers are increasingly using other avenues to do their banking."
He added that research found that on a monthly average 72 per cent of customers did not use their branch at all. The 18 Clydesdale branches were used by an average of 1,200 customers per branch, compared to industry averages of 9,800.
Clydesdale said it will maintain an ATM presence in the communities and that customers can use Post Offices in Scotland for transactions.
It added there had been no compulsory redundancies as a result of the programme, as staff have been transferred to other branches or opted for voluntary redundancy.