Just a note about drawing out cash.  More and more people are being delayed coming to see me as they cant find a cashpoint with cash in it.  Two very local to me rarely have cash in them/enough cash, people are arriving thinking they can draw it out at these locations, cant, then are having to make a trip into the Town Centre instead, which takes time.   If your card is refused it will be due to there not being enough cash in the machine.  Main bank branches seem to always be full, and the post office is also reliable if your area no longer has a bank.  Machines in shops/garages are the worst for this issue.