So, I go to my bank this morning,

[KatyMan]

11. I work for a bank

And a fair amount of our branches are closed across the bancorp, but others are open with lobby service, usually a sort of central-ish location in a particular part of whatever town or area we're in (like if you have 3 or 4 branches in say a 5 mile radius, only one of them will be open, not just one branch per town). Also in those locations, to visit with a banker (rather than just a teller visit) requires an appointment. It's to cut down on exposure to employees and customers, nothing nefarious. There's also online banking, and service via phone.

I'm sure it's inconvenient if there is not another branch nearby, but it's a safety measure.