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Old 07-21-10, 01:25 PM   #26
KD5NRH
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Around here, the Citibank branch's ATM is dead level with my "premium suspension" Blazer's windows, so it should be perfect for me on a bike. The First Financial's is a bit lower, so it might require some lean.

Since I only use Citi for my direct deposit, pull my spending money on payday and deposit the part I expect to spend online at First Financial, I may have to try this when my paycheck posts tonight, then ride through FF's drive-up full-service line before the day gets too hot to ride tomorrow.
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Old 07-21-10, 01:50 PM   #27
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All the time. My bank doesn't even have a walk-up ATM.
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Old 07-21-10, 01:50 PM   #28
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I've had no problems with drive-thru ATMs or the drive-thru at the drug store. I'll use any drive-thru I want, until the manager/owner tells me I can't. Hasn't happened yet, but I haven't tried the fast food places.
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Old 07-21-10, 01:54 PM   #29
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I once pulled into a McDonalds, (yeah I know. What can I say I'm a health nut), and was refused service. The manager had some lame explanation. I decided I could live without their food and left.

The bank atm has never been a problem. I've only been there early in the morning before most of the SUV's wake up.
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Old 07-21-10, 02:03 PM   #30
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I have used the ATM by bike and plan to today.
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Old 07-21-10, 02:10 PM   #31
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The only time I've come close to being refused service at a drive through was at a 24 hr Burger King after the lobby area was closed... After the manager told me that I would NOT get service there I said "Look, my wife is PMS'ing and wants a chocolate shake. You want me to send HER down here to get it?" I got the chocolate shake post-haste.

I've used the drive up ATM at various banks numerous times on foot and on bike (most recently just last night) and never had anyone say anything about it.
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Old 07-21-10, 02:17 PM   #32
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Back in the days when I dealt with banks directly, there was a local branch, close to home, that was perfectly accomodating about the drive-up windows; I'd ride up there, do my biz, and go, like everyone else. That was the deal until I stopped using the bank for anything.

Once, another branch of that same bank told me I couldn't use the drive-up on my bike, but I could bring the bike inside; that was the last day they ever saw me at that branch.

Drive-up/walk-up ATM's are a no-brainer; first come, first serve, however you arrive. Never a honk or a word, although I've waited a few times for one, anticipating some fool's mouth....

(The best one, though, was at work one morning; managers were touring the store, one -- who knows me and knows I ride -- saw my bike, and wondered aloud who brought their bike in the building. Then I walked up, and had he been capable of turning red, he would have.)
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Old 07-21-10, 08:58 PM   #33
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I used a drive thru ATM a few weeks ago for the first time. A car pulled up behind me and there was no issues at all. It actually felt pretty normal doing it on my bike.
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Old 07-21-10, 09:13 PM   #34
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I'd use a drive up ATM on my bike, except there aren't any here in NYC.
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Old 07-21-10, 09:26 PM   #35
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I've never seen a drive-through ATM. If I encounter one, I don't think I would feel uncomfortable using it on my bike.
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Old 07-21-10, 09:49 PM   #36
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Never a problem with the drive up ATM. I've even seen pedestrians standing in line with the cars to use on a few times. (Weekend, bank closed, no walk up ATM)
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Old 07-21-10, 10:16 PM   #37
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I get in the line of cars to use drive up ATMs on my bike all the time. Who cares what drivers think? It does not matter. It's not important.
Who cares what the bank thinks about it? If some idiot is going to come out of the bank to tell me I can't use the ATM on my bike I'm certainly not going to listen to him and change anything I do. I'll keep going to them anyway. There's nothing they can do to stop me except call the police. Drivers and business owners think all kinds of stupid things about bikes. Don't worry about it.
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Old 07-21-10, 10:25 PM   #38
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My first encounter with cycling into drive through "area" of my bank was to deposit and get cash back for a paycheck about 15-20 years ago. The bank was First Security Bank of Utah. They denied me the drive-through service and when I asked why (I was more confrontational when I was a young man) there was some discussion from inside the bank and after a few minutes, they asked me to come into the branch if I needed to discuss the policy. I talked with the branch manager who claimed their insurance policy wouldn't allow bicycles in the ATM or the drive through service windows. I asked to see the policy and needless to say, I was not allowed to see the policy. I smelled BS from all the suits in the bank I dealt with. I called my insurance company and asked about it and they stated they didn't exclude bicycles on any of the bank policies they issue. I pursued it to the top of the bank and finaly they apologized for misstating their insurance policy and changed the banks policy to allow bikes at both drive through and ATM's. About 2 months passed between my encounter and the policy change for all branches of First Security.
Yeah!!! Stick it to the man!

I often ride up to the walk-up ATM at my bank, and would not hesistate to use the drive-thru either.
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Old 07-21-10, 10:42 PM   #39
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Sure, no problem. Why would a driver care?* It's not like a cyclist takes longer.




*Yes, I understand there would still be some irrationally angry ********.
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Old 07-21-10, 10:42 PM   #40
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I did a couple times, mainly on foot, but the last time I used a drive-thru ATM, my debit card was cancelled a day later - it had been compromised. I'm not sure if it's related, but I have developed an irrational distrust of drive-thru ATMs as a result. My current bank branch is in the 'burbs, in a big-box park...I can lean my $1200 bike against the window and go inside to do business with little worry.

I would get pissed off about the car-only rules here for fast-food joints, but then I remember that my gastrointestinal tract has not done anything to deserve that level of disrespect so I save my money for my favourite restaurants. Great, now I'm craving bibimbap.
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Old 07-21-10, 10:46 PM   #41
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I have and I will. In fact, I've even been known on occasion to walk up to the drive-thru ATM as conditions warranted when not traveling by car or by bike. I takes me no longer to use if I'm on foot or on my bike than it would if I were sitting in a car, so I say "take the lane"!
Exactly! It takes less time for a bike, if you ask me, because the ATMs here are high and hard to reach from a sedan. I'd walk up as well. It isn't slowing anyone down. They can't go faster than like 4mph anyway and most of the time they're just sitting there.

(ETA: The only difference between driving up and riding up that I'd care to note applies to walk-up ATMs as well: Watch your back! Use that helmet mirror )

I think this is a good place to shill for credit unions. Credit unions are non-profit entities and are there to provide financial support for communities. Everything about credit unions is better, down to the cheaper fees (e.g., at least $10 less for an overdraft). They're cheaper because they aren't using those fees to pay for corporate reupholstery or whatever. There is a national credit-union network that allows you to use ATMs and services of other member credit unions for free, so you don't have to worry about finding an ATM. I can't imagine my credit union telling me not to use their drive-thru ATM, and if they did, I could take it to the top without leaving town. Skip USBank! Skip Chase! Go to a credit union!

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Old 07-21-10, 11:26 PM   #42
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There is a national credit-union network that allows you to use ATMs and services of other member credit unions for free, so you don't have to worry about finding an ATM.
Unfortunately in my province, you can only use the credit union that your bank account is at. If you use another credit union or another bank, you are charged mad service fees (unless they've changed this in the last year.) My friend used to mail her paycheques home to her mother so she could deposit them, since she couldn't do it anywhere in the city. It was supremely annoying, not to mention a strain when you are a student. Credit unions here are great for savings accounts, though, and if you don't need to use an ATM. They are trying to consolidate them somewhat, so I'll give them some ... credit.
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Old 07-21-10, 11:47 PM   #43
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I do it from time to time, mostly on Sunday or at night where I don't feel rushed. Pedestrians use the drive-thru atm all the time too so a bicycle is not so unusual.
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Old 07-22-10, 12:03 AM   #44
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Unfortunately in my province, you can only use the credit union that your bank account is at. If you use another credit union or another bank, you are charged mad service fees (unless they've changed this in the last year.) My friend used to mail her paycheques home to her mother so she could deposit them, since she couldn't do it anywhere in the city. It was supremely annoying, not to mention a strain when you are a student. Credit unions here are great for savings accounts, though, and if you don't need to use an ATM. They are trying to consolidate them somewhat, so I'll give them some ... credit.
Sorry, I should have been more specific--there is a national credit-union network for many or most credit unions in the US. Sucks that you guys don't have the same thing :'( Using an online checking account someplace like ING (I know, I know) to bridge two credit union accounts could work, though, if you were really into it.
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Old 07-22-10, 01:02 AM   #45
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i'd highly consider it if the branches i frequent has 'em, but they dont
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Old 07-22-10, 01:52 AM   #46
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and one of the reasons I left was due to their corporate policy of not letting my ride through the drive though lanes on my bike.
To be frank, their corporate policy or whatever they want to call it, is irrelevant here. If there is a lane, a parking lot, ramp or similar, rules of the road still apply if it is public access. At least it is like that here in Europe. So, as you are considered a vehicle when riding your bike, they have no legal ground to stand on to tell you you can't ride there. Policy or not, it is not their decision to make.
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Old 07-22-10, 01:57 AM   #47
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I use the drive-thru ATM all the time. I never seemed to feel self-conscious. Honestly, I'd just ignore anyone who cared enough to say anything anyway. Heck, I've walked up to them before without anyone seeming to care.

The fast food drive-thru's refusing service annoys me to no end. I live in a city that shuts down early, and I'm a night owl. Often fast food is all there is, and the lobbies are closed at that time.

thegooddoctor, wow, that's a fine bit of advocacy!

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Sorry, I should have been more specific--there is a national credit-union network for many or most credit unions in the US. Sucks that you guys don't have the same thing :'( Using an online checking account someplace like ING (I know, I know) to bridge two credit union accounts could work, though, if you were really into it.
Myself, I'm pretty happy with ING. I have a brick-and-mortar local bank account, but I never use it. My experience at ING has vastly surpassed my banking experience anywhere else.
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Old 07-22-10, 03:42 AM   #48
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(ETA: The only difference between driving up and riding up that I'd care to note applies to walk-up ATMs as well: Watch your back! Use that helmet mirror )
You should be watching the mirrors in a car too; it's not that uncommon for a thief to take advantage of the driver being focused on the ATM, wait until just before the cash pops out, and then step around the back corner of the vehicle between the vehicle and ATM, grab the cash, and take off while the driver can't get out due to the door being too close to the ATM itself to open very far.

Tried the Citibank ATM on the bike tonight; the lack of blind spots and engine noise was actually quite nice at 0030. Anyone wanting to sneak up would have had to actually sneak. OTOH, not being able to set my wallet on the dashboard to count the cash was a bit annoying.
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Old 07-22-10, 05:53 AM   #49
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I haven't used an ATM on my bike, but don't see any problem with it. I've ridden through drive-thrus on my bike at fast food restaurants several times and never had a problem. Probably the only reason why I haven't used an ATM on my bike is that there aren't any branches for my bank along my commute route.
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Old 07-22-10, 07:17 AM   #50
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To be frank, their corporate policy or whatever they want to call it, is irrelevant here. If there is a lane, a parking lot, ramp or similar, rules of the road still apply if it is public access. At least it is like that here in Europe. So, as you are considered a vehicle when riding your bike, they have no legal ground to stand on to tell you you can't ride there. Policy or not, it is not their decision to make.

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I find it somewhat disturbing that they would actually have a corporate policy on this. We ride the same roads as drivers, and it's just as (if not more) inconvenient for a cyclist to lock his/her bike to a rack than for a driver to park his/her car. That, and bicycles are grossly outnumbered by motorized vehicles, so was it really enough of a problem to put it in a corporate policy? Good grief. I guess I can understand why they wouldn't want people walking through the drive-thrus - pedestrians don't belong on the roads. But bicycles? They're vehicles too, and should have the same rights and responsibilities of other vehicles on the road.
I was making a deposit at the time, and couldn't figure out how turning away a customer trying to make a deposit was in the interest of my safety. Especially when 2 lanes over were several drive up ATMs I could use. I wrote them a letter about my experience, and was told they were worried about being injured by a car while in line, but I was using one of the many other banks in the area by then.
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