MAROUSI, Greece — Business has been so brisk in the giant Kotsovolos appliance and electronics store in this upper-middle-class suburb of Athens that you might think a sale was on.
But, no. It is panic buying, those who work here say. Increasingly concerned that greater economic trouble lies ahead of them, and limited in how much cash they can take out of banks, Greeks have been using their debit cards to buy ovens, refrigerators, dishwashers — anything tangible that can hold its value in troubled times.
“We have sold so much,” said Despina Drisi, who has worked in the store for 12 years. “We even sold display models. People have been pulling at my sleeves. We’re spacing things out now to cover the holes on the shelves.”
To the casual observer, the bustle of everyday life looks unchanged here. Greeks, many of whom long ago traded in their cars for cheaper motor scooters, clog the streets at rush hour on their way to and from work. Tourists pack the Acropolis. Friends meet, greet and sit in cafes, looking for shady spots against the heat.
But beneath the surface, Greeks are struggling with growing fear, the strange ramifications of closed banks and the mounting potential for much worse. They could face the unknown consequences of being pushed out of the eurozone within the next week if Greece and its creditors cannot come to an agreement.
Some are watching television and checking their smartphones constantly. Others refuse to follow what is going on in Brussels at all. But either way, many are doing what they can to protect themselves financially, buying appliances and jewelry or even prepaying their taxes so they will have taken care of one financial obligation if they end up losing some of their savings to a bank failure, as happened to depositors in Cyprus under a bank rescue plan there in 2013.
“Panicked doesn’t begin to describe how people feel,” said Antonis Mouzakis, an Athens accountant. “I have a huge number of customers wanting to file their taxes right here, right now, to have the tax calculated and paid instantly before a possible haircut. Even if the tax is 40 to 50 thousand euros, they pay it off in one go.”
A Greek jeweler, George Papalexis, said a customer had approached him on Wednesday wanting to buy a million euros’ — about $1.1 million — worth of merchandise. But Mr. Papalexis, the chief operating officer of Zolotas, said he had refused because he was more comfortable holding on to the jewels than having money in Greek banks.
“I can’t believe that there I was, turning away a million-dollar offer,” he said. “But I had to turn down the deal. It’s a measure of the risk we face.”
Mr. Mouzakis said that many companies were also trying to settle their debts quickly, not wanting to owe money if their deposits are hit in a deal to rescue Greek banks. Others do not want to accept payments for the same reason. When banks in Cyprus had to be bailed out in 2013, depositors with more than 100,000 euros lost about 40 percent of their money.
With banks closed, Greeks are limited to withdrawals of 60 euros, or $66, a day from A.T.M.s and cannot make international transactions, factors that have gutted some businesses already.
The auction at the downtown fish market, where cash is mandatory, was sparsely attended Wednesday, leaving fishermen fretting. But there are more mundane problems, too. The A.T.M.s give out only 20- and 50-euro notes, and they appear to be running out of 20s. Stores are having an increasingly difficult time making change.
Some businesses have begun yet another round of layoffs. “My boss came in and said, ‘We are all going to die,’ ” said a young woman who works for a small travel agency in Athens. “He gathered us all together, really, to tell us that.”
He then reduced her hours to two days a week, she said, adding that her boss “was completely, totally panicked.”
The agency has been unable to issue tickets this week because Greek travel agents have been blocked from the global ticketing system.
Pharmacists began to feel the pinch almost immediately when the banks shut down because most drugs are imported and they had no way to pay for them. Michalis Moschonas, an Athens pharmacist, said his customers had been concerned, if understanding, when he had to turn them away. He was also understanding, allowing many people who were unable to get enough cash to pay for their medicine to owe him money.
“I have countless i.o.u.s behind my counter,” he said.
A contractor at a Greek energy company, who spoke on the condition of anonymity, said his firm had paid all its taxes for the year last week to whittle down the funds that could be subject to a deposit tax.