Beyond Bank Australia said it would be closing branches in Belmont in NSW, Roxby Downs in South Australia and Dickson in the Australian Capital Territory.The closures will take effect on October 2. From October 30 the Kalgoorlie branch in Western Australia will "discontinue operations in its current form."A statement on the Beyond Bank website said: "The way that our customers are doing their everyday banking is changing, with branch transactions becoming less popular, replaced with transactions being completed via ATM's, direct credits and debits, via internet banking and telephone contact centre."In response to this trend, we recently conducted a review into our service delivery model with an aim to improve the experience for our customers - no matter how they access their financial services."Our traditional branch environment will be transformed into a …  combination of self service and face to face interactions," Beyond said.