Central Goldfields Shire Council chief administrator Noel Harvey hopes residents will choose to vote with their feet and support banks that will continue to have branches in their town.
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The effort comes after Bank Australia announced in December it plans to close branches in Maryborough and Echuca. The branches will close on April 3.
Mr Harvey said council was disappointed the options of banking for residents was being reduced.
"We all use online banking these days and I understand the position of the banks but country towns still need branches," he said.
"We need to try to do what we can to support banks that support the local community. Some have a better focus (on that) than others.
"The biggest concern council has if someone wants to use Bank X, Y or Z and they have to go to Bendigo or Ballarat, then they may use those towns for shopping and there's snowball effect on local business and lead to downward spiral.
"So it's about intercepting that spiral to preventing that flow on effect. The message I have for people is to look at your banking and the ones still in town and vote with your feet. Move to banks that are prepared to stay in town.
"When council decides on its banker via a tender process, the contract we have with our bank makes it a requirement to maintain a local branch facility.
"If we've got banks closing branches, they have to accept that need in the community to find alternative options."
In December, Bank Australia deputy chief executive John Yardley said the bank had made the difficult decision after a review of operations across the national branch network.
"Ultimately, this closure reflects the changing nature of banking as more and more customers choose to do their banking online," Mr Yardley said.
"We have had a long history serving the community in the region and we're committed to ensuring that our local customers are able to continue to access banking services - whether this is through our digital and phone channels, which many are already using, or with another local bank if the customer needs a face-to-face service."
Last year, Maryborough also lost its Westpac branch. Mr Harvey said Maryborough still had Commonwealth, ANZ, Bendigo Bank and National branches in town.
"Westpac had a prominent position in High Street, in a large building owned (locally)," Mr Harvey said. "It's still sitting there empty in the middle of street and has an effect on the rest of the street. That concerns us as council.
"(People) still do use cash in shops, whether we like it or not. Westpac says people can still deposit (cash) in a post office but it's not same has having a relationship with bank staff or a bank manager.
"Country areas (like Maryborough) can have more senior populations who aren't used to online net banking but also socio-economic factors like a number of people who might not have access to online banking.
"Given banks' records in past, they have some social obligations to communities."