
La tendencia de cierres de sucursales bancarias en EE. UU. continúa firme en 2025. Ya son más de 320 las oficinas clausuradas este año, contando con la participación de grandes entidades como Flagstar, TD Bank, Wells Fargo y Bank of America. Este movimiento, aunque previsible dentro de los cambios del sector financiero, sigue siendo un hecho para analizar.
Este fenómeno no es un accidente. Detrás de estos cierres está algo mucho más grande: el comportamiento bancario está cambiando, y con él, la forma en que interactuamos con el dinero. Hoy en día, cada vez más personas usan aplicaciones móviles o la banca en línea para realizar sus transacciones. Si bien todavía hay más de 200 millones de estadounidenses que hacen sus trámites de forma presencial, el uso de herramientas digitales no para de crecer. Y la pandemia de COVID-19, como ya sabemos, aceleró aún más esta transformación.
Un dato que me llamó bastante la atención es que, de acuerdo con estudios recientes, los clientes de bancos como US Bank están viendo cómo varias de sus sucursales se cierran. Por ejemplo, este año, ha cerrado unas 40. Wells Fargo no se queda atrás, con 49 de sus oficinas clausuradas, mientras que Flagstar ha cerrado alrededor de 52. En total, son cientos de lugares menos para hacer esas transacciones “en persona” a las que muchos estábamos acostumbrados.

EL CIERRE DE LOCALES AFECTA A UN SECTOR IMPORTANTE DE LA SOCIEDAD
Esto puede sonar un poco alarmante, sobre todo para quienes no son tan fanáticos de la tecnología, o para aquellos que viven en zonas rurales. Las personas mayores, por ejemplo, que no siempre tienen acceso fácil a Internet o que prefieren el contacto físico, se están viendo más afectadas por estos cambios. Para ellos, la banca presencial sigue siendo una necesidad. El cierre de estas oficinas no solo significa menos opciones para hacer depósitos o consultar información, sino que también puede llevar a largos viajes para acceder a los servicios financieros.
En este contexto, hay que reconocer que la banca digital tiene muchas ventajas. Está diseñada para ser rápida, accesible y, a veces, hasta más eficiente. Pero no podemos ignorar que hay un grupo importante de personas para quienes el acceso físico a un banco sigue siendo vital. Y aunque los cajeros automáticos siguen siendo una opción, muchos se sienten inseguros o incómodos con el hecho de tener que depender solo de la tecnología para manejar su dinero.
Lo curioso de todo esto es que las generaciones más jóvenes, como la Generación Z, casi no pisan una sucursal bancaria. De hecho, en promedio, van unas 3,6 veces al año. Mientras que los más grandes, como los baby boomers, todavía se acercan a las oficinas bancarias con más frecuencia, aproximadamente unas 4,6 veces al año, motivos por los cuales aún existen varias sucursales abiertas en todo el país.
Associated Bank
- 6355 North Central Avenue Chicago, IL
- 101 First Avenue SW S-10 Rochester, MN
- 509 Grand Avenue Neillsville, WI
- 300 East Washington Street Slinger, WI
- 227 W Wisconsin Ave Tomahawk, WI
BANK OF AMERICA
- 4551 2ND STREET, SUITE 120 Davis, CA
- 8655 BEVERLY BLVD. Los Angeles, CA
- 5154 STATE UNIVERSITY DRIVE Los Angeles, CA
- 702 MISSION AVE Oceanside, CA
- 3101 ARDEN WAY, ARDEN DISTRICT Sacramento, CA
- 2805 MARCONI AVENUE Sacramento, CA
- 9000 SOUTHSIDE BOULEVARD BLDG 300 Jacksonville, FL
- 33450 SOUTH DIXIE HIGHWAY Florida City, FL
- 16686 SW 88TH STREET Miami, FL
- 8181 WEST BROWARD BOULEVARD Plantation, FL
- 240 N Randall Rd. Lake in the Hills, IL
- 3210 W IL Route 60 Mundelein, IL
- 201 BASTOGNE AVENUE Fort Campbell, KY
- 3731 BRANCH AVENUE Hillcrest Heights, MD
- 2728 NE VIVION ROAD Kansas City, MO
- 269 MAIN STREET Chatham, NJ
- 901 SOUTH RANCHO LANE, SUITE 1 Las Vegas, NV
- 300 SOUTH FOURTH STREET Las Vegas, NV
- 3598 WEST PLUMB LANE Reno, NV
- 3018 36TH AVENUE Astoria, NY
- 14400 SW ALLEN BOULEVARD Beaverton, OR
- 3741 WINCHESTER ROAD Memphis, TN
- 1206 SOUTH BOWEN Arlington, TX
- 18603 KUYKENDAHL Spring, TX
- 3334 PALMER HIGHWAY Texas City, TX
- 9280 OLD KEENE MILL ROAD Burke, VA
- 1201 Madison Street Seattle, WA
- 4323 SW ADMIRAL WAY Seattle, WA
- BankUnited, NA
- 331 E. ATLANTIC AVE. Delray Beach, FL
BMO BANK
- 3500 AVIATION BOULEVARD Redondo Beach, CA
- 110 EAST JEFFERSON Tipton, IN
CITIBANK
- 300 EAST STATE STREET Redlands, CA
- 460 PARK AVENUE New York, NY
CITIZENS BANK
- 2084 NAAMAN’S ROAD Wilmington, DE
- 399 Atlantic Avenue Brooklyn, NY
- 1340 THIRD AVE. New York, NY
- 2255 E. RIDGE ROAD Rochester, NY
- 15 MAIN STREET Keene, NH
- ROUTE 38 AND OLD BRIDGE STREET Pelham, NH
- 176 W STREET RD Feasterville Trevose, PA
- 116 W TOWNSHIP LINE ROAD Havertown, PA
- 1201 KNAPP ROAD North Wales, PA
CITIZENS COMMUNITY FEDERAL
- 300 WESTERN AVENUE, SUITE 100 Faribault, MN
CITY NATIONAL BANK & TRUST CO. OF LAWTON, OKLAHOMA
- 1002 W Taft Ave Sapulpa, OK
CITY NATIONAL BANK OF WEST VIRGINIA
- 923 North High Street Worthington, OH
CLINTON NB
- 301 WESTERN AVENUE Delmar, IA
COMMERCIAL BANK OF TEXAS, NA
- 410 E. LACY STREET Palestine, TX
DESJARDINS BANK NA
- 1070 GATEWAY BLVD, SUITE 102 Boynton Beach, FL
FIFTH THIRD BANK, NA
- 1311 RIDGELAND AVENUE Naperville, IL
- 4685 WINFIELD RD Warrenville, IL
- 1219 NORTH MITCHELL STREET Cadillac, MI
FIRST CITIZENS NB
- 2211 ST. JOHN AVENUE Dyersburg, TN
FIRST MID BANK & TR, NA
- 913 WEST MARKETVIEW Champaign, IL
- 915 WEST MAIN STREET Carbondale, IL
- 2143 S. STATE ROUTE 157 Edwardsville, IL
- 1535 NORTH HENDERSON STREET Galesburg, IL
- 331 EAST MAIN STREET Knoxville, IL
- 3233 BROADWAY STREET Quincy, IL
- 200 NORTH MAIN STREET Taylorville, IL
- 3525 MISSOURI BOULEVARD Jefferson City, MO
FIRST NB & TR CO OF NEWTOWN
- 1279 EAST LINCOLN HIGHWAY Levittown, PA
FIRST NB IN OLNEY
- 215 NORTH WEST STREET Olney, IL
FIRST NB OF BEMIDJI
- 429 MINNESOTA AVENUE Bemidji, MN
FIRST NB OF PENNSYLVANIA
- 600 WALMART DRIVE Gibsonia, PA
First NB Texas
- 2303 Boonville Road Bryan, TX
FLAGSTAR BANK
- 4025 E. CHANDLER BLVD. Phoenix, AZ
- 2200 EAST CAMELBACK ROAD Phoenix, AZ
- 5770 COVENTRY LANE Fort Wayne, IN
- 5525 ST. JOE RD. Fort Wayne, IN
- 2926 MISHAWAKA AVENUE South Bend, IN
- 3233 FAIRLANE DRIVE Allen Park, MI
- 210 WEST HURON STREET Ann Arbor, MI
- 500 WOODWARD AVENUE, SUITE 100 Detroit, MI
- 1400 EAST LAKE LANSING ROAD East Lansing, MI
- 914 CHARLEVOIX DRIVE, SUITE 100 Grand Ledge, MI
- 3205 28TH STREET SOUTHEAST Grand Rapids, MI
- 4675 32ND AVENUE, SUITE 110 Hudsonville, MI
- 704 SOUTH BROWN STREET Jackson, MI
- 1401 PRESQUE ISLE AVENUE Marquette, MI
- 5151 CORPORATE DRIVE Troy, MI
- 29049 JOY ROAD Westland, MI
- 6490 HIGHLAND ROAD White Lake, MI
- 2181 NORTH PONTIAC TRAIL Walled Lake, MI
- 949 BROADWAY Bayonne, NJ
- 155 CENTRAL AVENUE East Newark, NJ
- 142 BROAD STREET Elizabeth, NJ
- 23 LITTLE FALLS ROAD Fairfield, NJ
- 133 S. LIVINGSTON AVENUE Livingston, NJ
- 36 FERRY STREET Newark, NJ
- 198 JEFFERSON STREET Newark, NJ
- 1887 MORRIS AVENUE Union, NJ
- 2624 MORRIS AVENUE Union, NJ
- 33-12 30TH AVENUE Astoria, NY
- 41-11 BELL BOULEVARD Bayside, NY
- 247-53 JAMAICA AVENUE Bellerose, NY
- 625 ATLANTIC AVENUE Brooklyn, NY
- 8622 BAY PARKWAY Brooklyn, NY
- 1608 KINGS HIGHWAY Homecrest (BKLYN), NY
- 720 GRAND BLVD Deer Park, NY
- 65-30 KISSENA BLVD. Flushing, NY
- 194-02 NORTHERN BOULEVARD Flushing, NY
- 102 DUFFY AVENUE Hicksville, NY
- 2335 NEW HYDE PARK ROAD New Hyde Park, NY
- 4246 BROADWAY New York, NY
- 92-10 ATLANTIC AVENUE Ozone Park, NY
- 509 OLD COUNTRY ROAD Plainview, NY
- 97-77 QUEENS BLVD Rego Park, NY
- 66-77 FRESH POND ROAD Ridgewood, NY
- 3425 VETERANS MEMORIAL HWY Ronkonkoma, NY
- 134-40 SPRINGFIELD BLVD Springfield GRDNS., NY
- 1214 CASTLETON AVENUE Staten Island, NY
- 5770 HYLAN BLVD Staten Island, NY
- 832 JEWETT AVENUE Staten Island, NY
- 31-06 FARRINGTON STREET Whitestone, NY
- 93-22 JAMAICA AVENUE Woodhaven, NY
- ONE NORTH HAWKINS AVE. Akron, OH
- 2066 LEE ROAD Cleveland Hts., OH
FSNB
- 222 WILKINSON LANE White House, TN
FULTON BANK
- 2387 BRANDERMILL BLVD. Gambrills, MD
- 18201 Maugans Avenue Hagerstown, MD
- 7185 Columbia Gateway Drive Columbia, MD
- 207 North Main Street Boonsboro, MD
- 1903 RESEARCH BLVD Rockville, MD
- 694 ROUTE 15 SOUTH, SUITE 101 Lake Hopatcong, NJ
- 274 ROUTE 10 WEST Succasunna, NJ
- 122 Eagle Point Bellefonte, PA
- 200 South Poplar St Berwick, PA
- 866 North U.S. Route 15 Dillsburg, PA
- 599 West Market Street Hellam, PA
- 611 Shrewsbury Commons Avenue Shrewsbury, PA
- 835 NORTH FOURTH ST Sunbury, PA
- 1732 EAST THIRD ST Williamsport, PA
- 4180 Dominion Boulevard Glen Allen, VA
GREENVILLE NB
- MAIN & BRIDGE STREET Gettysburg, OH
- Huntington NB
- 87 W. 87th Street Chicago, IL
- 12505 OLD MERIDIAN ST. Carmel, IN
- 300 Main St. St. Joseph, MI
- 311 319 325 333 E MAIN 127 TOWNSEND Midland, MI
- 525 W. Wooster St. Bowling Green, OH
- 207 West Second Street Dover, OH
- 7470 SR 45 Lisbon, OH
- 56 S. Pleasant Street Oberlin, OH
- 800 Madison Ave. Toledo, OH
- 101 East Washington St New Castle, PA
- 310 Grant Street Pittsburgh, PA
JPMORGAN CHASE BANK
- 6710 WEST BETHANY HOME RD Glendale, AZ
- 8080 SOUTH HOUGHTON ROAD Tucson, AZ
- 595 MARKET STREET San Francisco, CA
- 8985 VENICE BOULEVARD, SUITE C-1A Los Angeles, CA
- 1783 EAST CHEYENNE MOUNTAIN BOULEVARD Colorado Springs, CO
- 1055 WEST BRYN MAWR AVENUE, UNIT B Chicago, IL
- 1131 EAST DUNDEE ROAD Palatine, IL
- 2181 NORTH PONTIAC TRAIL Walled Lake, MI
- 1340 East Flamingo Rd Las Vegas, NV
- 3465 STEELYARD DR., UNIT 9 Cleveland, OH
- 17435 SW FARMINGTON RD, STE A Aloha, OR
- 4335 Martin Luther King Blvd., Ste B Houston, TX
- 1565 S MASON RD Katy, TX
- 3020 SOUTH HIGHLAND DRIVE Salt Lake City, UT
- 4702 SOUTH PACKARD AVENUE Cudahy, WI
KEYBANK NA
- 1157 HIGHLAND AVENUE Cheshire, CT
- 1 BAUSCH & LOMB PLACE Rochester, NY
LCNB NB
- 6890 DIXIE HWY Florence, KY
LONE STAR CAPITAL BANK
- 1910 W. BRAKER LANE, BLDG. 3, SUITE 100 Austin, TX
Merchants Bank
- 23280 Main Street Hampton, MN
NEWPORT FED BK
- 263 EAST BROADWAY Newport, TN
OCONEE FS&LA
- 12 EAST DOYLE STREET Toccoa, GA
PNC BANK
- 2085 E UNIVERSITY DR Auburn, AL
- 2004 COUNTRY CLUB AVE NW Huntsville, AL
- 1385 N GREEN MOUNT RD O’Fallon, IL
- 200 FIFTH STREET Calumet, MI
- 535 Griswold St Ste 104 Detroit, MI
- 101 S MAIN ST Eaton Rapids, MI
- 3950 PLAINFIELD AVE NE Grand Rapids, MI
- 209 East Polk Hart, MI
- 1921 Washington Valley Rd Martinsville, NJ
- 7405 N LIBERTY DR Liberty Township, OH
- Sandusky Mall Sandusky, OH
- 706 W NATIONAL RD Vandalia, OH
- 801 E BISHOP ST Bellefonte, PA
- BON AIRE SHOPPING CENTER, ROUTE 8 Butler, PA
- 345 Court St Coraopolis, PA
- 230 S BROAD ST Philadelphia, PA
- 4184 IL ROUTE 83 (Note: Assuming IL is correct state despite position) Long Grove, IL
Santander Bank
- 215 Grand Avenue New Haven, CT
SouthState Bank
- 3711 Tampa Rd Oldsmar, FL
TD BANK
- 1611 WISCONSIN AVENUE NW Washington, DC
- 1289 FOXON ROAD North Branford, CT
- 215 HIGH ST Torrington, CT
- 1590 SOUTH NOVA ROAD Daytona Beach, FL
- 160 NW MAIN BLVD Lake City, FL
- 500 COLLINS AVENUE Miami Beach, FL
- 547 BROADWAY Methuen, MA
- 860 SOUTH MAIN ST Bradford, MA
- 465 NORTH MAIN ST East Longmeadow, MA
- 420 FRANKLIN ST Framingham, MA
- 50 HOLYOKE ST Holyoke, MA
- 2345 MAIN STREET Tewksbury, MA
- 112 MAIN ST Fairfield, ME
- 62 WEST MAIN Fort Kent, ME
- 95 MAIN STREET Gorham, ME
- 6 NORTH ST (POBOX 713) Houlton, ME
- 10 NORTH MAIN ST Bristol, NH
- 884 MAIN ST Contoocook, NH
- 40 HIGH ST Hampton, NH
- 905 ELM ST Wilton, NH
- 85-107 POMPTON AVENUE Cedar Grove, NJ
- 191 E ROUTE 70 Marlton, NJ
- ONE ROYAL RD Raritan Township, NJ
- 145 SKYLINE DRIVE Ringwood, NJ
- 555 WARREN AVENUE Spring Lake Heights, NJ
- 460 PULASKI ROAD Greenlawn, NY
- 156A-B DOLSON AVENUE Middletown, NY
- 125 PARK AVENUE New York, NY
- 451 LEXINGTON AVENUE New York, NY
- 136 MARGARET STREET Plattsburgh, NY
- 101 LANCASTER AVENUE Frazer, PA
- WEST TRENTON AVE & CARLISLE AVE Morrisville, PA
- 8600 GERMANTOWN PIKE Philadelphia, PA
- 1501 MAIN STREET Columbia, SC
- 6 ELMSHORN DRIVE Greer, SC
- CENTREVILLE DRIVE AND MACHEN ROAD Centreville, VA
- 1750 NORTH HAMPTON AVENUE Reston, VA
Trustco Bank
- 100 Glen Street Glens Falls, NY
U.S. BANK
- 2227 SOUTH SHORE CENTER Alameda, CA
- 2955 ALPINE BOULEVARD Alpine, CA
- 2207 Francisco Drive El Dorado Hills, CA
- 429 Santa Monica Boulevard, Suite 101 Santa Monica, CA
- 989 Avenida Pico San Clemente, CA
- CASTRO STREET San Francisco, CA
- 2200 MISSION COLLEGE BOULEVARD Santa Clara, CA
- 303 EUCLID AVENUE Des Moines, IA
- 9 South Ash Street Blackfoot, ID
- 6560 SOUTH FEDERAL WAY Boise, ID
- 197 WEST PRAIRIE AVENUE Hayden Lake, ID
- 672 Washington Montpelier, ID
- 333 Michigan Avenue Orofino, ID
- 1 South State Street Preston, ID
- 118 S Front St Cobden, IL
- 5201 W Madison Street Chicago, IL
- 306 N Broadway St Pittsburg, KS
- Main Street Loretto, KY
- 317 West Main Street Bowling Green, MO
- 231 South Market Memphis, MO
- 100 N Western St Mexico, MO
- 9717 NORTH AVENUE Kansas City, MO
- 5150 MAE ANNE Reno, NV
- 400 West 1st Street Portales, NM
- 819 Wheeling Avenue Cambridge, OH
- 10 West Broad Street Columbus, OH
- US 23 & S.R. 348 Lucasville, OH
- 6388 Branch Hill Guinea Pike Loveland, OH
- 1500 HILLCREST AVENUE Springfield, OH
- 1285 VIRGINIA AVENUE North Bend, OR
- 4550 N. INTERSTATE AVENUE Portland, OR
- 103 SOUTH MAIN STREET Hartford, SD
- 1090 N. 500 EAST North Salt Lake, UT
- 4326 University Way NE Seattle, WA
- 2401 Utah Ave. S, Suite 105 Seattle, WA
- 2525 WISCONSIN AVENUE Milwaukee, WI
- 10200 WEST BLUEMOUND ROAD Wauwautosa, WI
- 138 N Main Street Rice Lake, WI
- 748 Main Street Evanston, WY
- 7601 PENN AVENUE SOUTH (Missing City/State in original, assuming MN based on Richfield if external info allowed, but sticking to provided data) Richfield, MN
UNITY NB OF HOUSTON
- 121 MARTIN LUTHER KING JR. DRIVE AND 92 PEACHTREE STREET, S. Atlanta, GA
WELLS FARGO BANK, N.A.
- 3051 MONTGOMERY HWY Dothan, AL
- 700 AZUSA BOULEVARD Azusa, CA
- 2425 N. BLACKSTONE AVENUE Fresno, CA
- 7477 Watt Avenue North Highlands, CA
- 3450 FRUITVALE AVE. Oakland, CA
- 655 North Fair Oaks Avenue Pasadena, CA
- 1753 NORTH SUNRISE WAY Palm Springs, CA
- 12746 W. JEFFERSON BOULEVARD Playa Vista, CA
- 5798 Stoneridge Mall Road Pleasanton, CA
- 1975 SOQUEL DRIVE Santa Cruz, CA
- 334 W. 3RD STREET San Bernardino, CA
- 11200 SW 8TH ST GOLD PKG GAR (PG 1), RM 102 Miami, FL
- 233 NORTH THIRD STREET Jacksonville Beach, FL
- 655 REITZ UNION DRIVE UF Gainesville, FL
- 9520 SOUTH U.S. 1 Port St. Lucie, FL
- 25 FIFTH STREET SOUTH St. Petersburg, FL
- 4203 GANDY BOULEVARD Tampa, FL
- 11625 NORTH FM 620 (Missing City/State in original, likely Austin TX based on format, but sticking to provided data) Austin, TX
- 1400 VISTA AVENUE Boise, ID
- 4630 WEST STATE STREET Boise, ID
- 3910 WEST LINCOLN WAY Ames, IA
- 1420 N CHARLES STREET Baltimore, MD
- 4735 LIBERTY HEIGHTS AVENUE Baltimore, MD
- 59 South Finley Avenue Basking Ridge, NJ
- 7501 BROADWAY North Bergen, NJ
- 7501 BROADWAY North Bergen, NJ (Duplicate entry in source)
- 87 STADIUM WAY, JOE CROWLEY STUDENT UNION Reno, NV
- 200 LOMAS BLVD. NW, MAC Q2129-122 Albuquerque, NM
- 112 W. BARBEE CHAPEL ROAD Chapel Hill, NC
- 207 SOUTH RD Chapel Hill, NC
- 200 GREEN STREET Fayetteville, NC
- 1200 MURCHISON ROAD Fayetteville, NC
- 330 WEST MAIN STREET Forest City, NC
- 200 First Ave. NW Hickory, NC
- 1001 PENNSYLVANIA AVENUE Matamoras, PA
- 1700 MARKET STREET Philadelphia, PA
- CENTRE SQUARE, 1 N. MAIN STREET Red Lion, PA
- 100 VILLAGE GREEN LANE Johns Island, SC
- 5809 E. Lovers Lane Dallas, TX
- 6333 EAST MOCKINGBIRD LANE Dallas, TX
- 221 N. Kansas Street El Paso, TX
- 5175 WEST 34TH STREET Houston, TX
- 115 SCHOOL ROAD Ingram, TX
- 3279 JUNCTION HIGHWAY Ingram, TX
- 305 EAST WASHINGTON AVENUE Navasota, TX
- 500 N. MAIN STREET Bridgewater, VA
- 4919 LEE HIGHWAY Bristol, VA
- 100 EAST WISCONSIN AVENUE Milwaukee, WI
- Wintrust Bank, NA
- 360 E. Ohio St. Chicago, IL
- ZIONS BANCORPORATION, NA
- 1800 Arden Way Sacramento, CA
- 8252 CLAIREMONT MESA BOULEVARD San Diego, CA
- 4320 LA JOLLA VILLAGE DRIVE San Diego, CA