'Burslem's 24,000 residents have been forced to pay up to £3.50 to withdraw their own cash after all the free-to-use bank machines in the town closed.
Locals have seen a number of bank and building society closures in the past three years, including branches of Nationwide, NatWest and Lloyds.
The only remaining cash machine in the Midlands town charges for withdrawals and others at nearby retail parks cost between 95p and £3.50 per transaction.
Residents of Burslem now say they are being 'robbed' - and the lack of free cash machines has been raised at a parliamentary debate.
Phil Hardy, 53, who owns Otters Tears Beer Company claims he has been forced to use a bank in 20 miles away in Macclesfield since all of the town's banks have closed.
He said: 'The lack of physical cash has affected my business in more ways than one.
'When my card reader broke, and the card machines were out of order, I had a customer that had to wait a whole hour just to be able to pay for something because there was nowhere for them to get cash from. So if the card reader doesn't work, then I don't get the business.'
Janette Allen, 66, who lives in Burslem, said: 'It's just not fair. A lot of people like having money on them.'
Stoke-on-Trent city councillor Alan Dutton, who represents Burslem Central, echoed the disappointment of shoppers and traders, describing it as 'absolute robbery'.
He said: 'A lot of people use cash, and now that all the cash machines have disappeared, we are in a desperate situation.'
Stoke-on-Trent North MP Ruth Smeeth raised the issue in a Parliamentary debate last month.'
Read more: The town with NO free ATMs: 24,000 residents of Burslem have to pay up to £3.50 every time they want cash
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