More than 50 bank branches have closed in the north-east in the past eight years, a study found.
Research by consumer group Which? analysing data from labour market firm Nomis found 55 branches have been axed by financial institutions since 2010.
Broken down by parliamentary constituencies, the study spotted an alarming trend in bank branches across the country.
Angus saw the biggest reduction in branches, with 15 in the eight-year period up to last year.
Aberdeen North, Banff and Buchan and Moray each lost 10, and West Aberdeenshire and Kincardine along with Aberdeen South dropped five branches each.
Gordon maintained its 15 banks during the time.
Which? head of money Gareth Shaw said: “These ongoing closures could have a huge impact on communities across Scotland, stripping millions of people reliant on cash of their ability to go about their daily lives.
“Cash is also a vital backup when digital systems fail, so the UK Government must appoint a regulator to oversee these changes and ensure no one is shut out from paying for local goods and services.”
Public Finance and Digital Economy Minister Kate Forbes said: “Cash payments remain an essential part of day-to-day life for many, especially for vulnerable consumers and those in rural communities. The recent loss of free-to-use ATMs, on top of the wave of bank branch closures across the UK, has hit Scotland’s communities and businesses disproportionately hard.
“I have written to the economic secretary and to the treasury supporting Which?’s campaign calling for a single regulator with the duty to protect access to cash, ensuring that cash remains accessible to all,” she said.
“Despite telecoms being a reserved matter, the Scottish Government is building on the success of the £400 million Digital Scotland Superfast Broadband programme, which has brought broadband to more than 95% of the country. We are investing a further £600m to ensure Scotland is at the forefront of digital connectivity through our Reaching 100% programme.”
A Royal Bank of Scotland spokeswoman said: “We remain committed to a strong Scottish branch network and continue to invest in our services to ensure that our customers have a range of banking options that meets their evolving needs. We have committed that we will not review the size of our branch network until at least 2020.
“We have approximately 2,300 physical service points where customers can access cash and banking services across Scotland through a variety of methods including our ATM network, branches, mobile branches, and post offices.”