I just stopped by my bank (the one where my spouse has his account) which I do about once every two or three years. Imagine my surprise and disgust to discover that they had started closing at 2:00! I moved my business account when they closed the drive-up windows at 5:00. I would have to miss client phone calls to do my banking during their hours, so I switched to a friendlier bank.
Now, about this 2:00 closing. I needed to get to my safe deposit box. Last time I looked, you couldn't do that at the drive-up window. Neither can you apply for a loan at the drive-up. All you can do is make deposits, cash checks, and make payments. So when the branch locks its doors at 2:00, you drastically reduce service. My first thought is CRA. However, I only have that thought because a) I work in compliance, and b) I have already moved my accounts to another bank!