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As customers shift online, banks are scaling back in-person services. Here is what that means for your finances and how to adapt.

Santander Bank is scaling back its physical presence in the northeastern United States as part of its shift toward digital banking. Eighteen branch closures reflect broader changes across the banking industry as customer preferences continue to move online. According to American Banker, Santander will close 18 branches in Massachusetts, New Jersey, Pennsylvania, New York, New Hampshire…