Changes are on the way at 5 of Bank of Ireland's 7 branches in Waterford.
The main branches in Waterford City and Dungarvan are unaffected.
Kilmacthomas will change to a self-service and advice model, meaning cash services like foreign exchange and coin services will no longer be available.
In Lisduggan, Lismore and Tramore full services will only be available in the mornings.
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Pamela Pimm is head of Bank of Ireland in Waterford. She says customers have changed they way they bank and they are responding to that:
