A third of the nation's bank branches have shut in the past five years — for people in the country, that's a huge problem

Ray Burgess accepts cash in his newsagency but has no nearby bank to deposit it. (ABC News: Georgia Lenton-Williams)

Newsagent Ray Burgess is a good customer for a bank, he just cannot find one.

To run his small business in the Gippsland town of Morwell, Mr Burgess needs to deposit and withdraw cash several times each week but, due to bank closures, he's been forced to change banks four times in less than a year.