Bank branches are not destinations. Like Starbucks and cell phone shops, they rely on capturing your day-to-day custom when you’re out and about. In the U.S., that mostly means being maximally accessible by cars. (In Japan, and other places with different transit behavior, bank branches are among the most likely user for large parcels directly adjacent to hub train stations, with smaller light branches and ATM-only locations being deployed close to far-from-station workplaces.)