Royal Bank of Scotland (RBS) will withdraw their mobile banking service from the town later next month.
And then the closest service for customers will be the twice-weekly van at Lockerbie – a 16-mile trip each way.
The decision to remove the current mobile service from Moffat has angered the community council, who have not been officially notified of the changes.
Group treasurer David Booth, who is also a customer of Natwest bank, which is linked to the RBS, said he now has to travel out of town or face a fee to pay cheques in to his bank via another provider.
He said: “It is £10 to pay a cheque into my Natwest account via the Bank of Scotland in the town.
“Or the nearest Natwest bank is Edinburgh, I think.”
He explained that he is a user of online banking but that does not allow people to pay in cheques.
Moffat Community Council, like most community groups, regularly deals in cheques which must be signed by two people.
Mr Booth said: “How does that work with online banking?
“And cheques are not something we can disappear overnight, they will still be around for years.”
A Royal Bank of Scotland spokesman said: “In response to the changing ways our customers are banking, we have reviewed the schedules of our mobile branches and added more stops; many of these new stops will cover areas where, unfortunately, an existing branch will be closing, but also some communities where we haven’t had a branch before.
“This does also mean that in some communities we may have to spend less time, but we welcome feedback on how these services are running, and have already committed to reviewing these timetables on a monthly basis.”
