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  1. #51
    all-weather commuter
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    ATM: yes, fast food: no

    I regularly bike through the ATM lane at my bank. I have never had a problem. The ATM machine works just as well for a cyclist as for a driver.

    Fast food ordering systems, however, do not always work for bicycles. At the fast food place I worked at, the speakers and microphones were activated by an induction loop under the pavement. Occasionally people would come through on bicycles, on foot, and in wheelchairs. We could see them on the monitor but could not hear them nor talk to them. Often times they would get irate and storm into the store or they would refuse to move and hold up traffic and we would have to go out and explain to them why it would not work. They usually did not believe us and got more irate until we threatened to call the police if they did not leave.

  2. #52
    ɹǝqɯǝɯ ɹoıuǝs wheeldeal's Avatar
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    Quote Originally Posted by groovestew View Post
    I find it somewhat disturbing that they would actually have a corporate policy on this.
    Those of us who live in America have this thing called lawsuits. When you're at the drive up ATM, you're in private property. What if some drunk guy pulls up behind you and flattens you? You're left being a vegetable the rest of your life and I'm sure you'll want to be compensated, correct? You sue the driver, who doesn't have auto insurance, is on welfare and spends his foodstamp money on PBRs & cigarettes.

    Let me take a wild guess who you're going to sue next. See the reason behind the corporate policy?
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  3. #53
    It's true, man.
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    I ride up to the drive-up atm often.

    I would welcome commentary on that fact by drivers who feel I might be inconveniencing them - particularly ones who quote made-up rules to justify it - but that hasn't happened at all.

  4. #54
    I am a caffine girl colleen c's Avatar
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    Quote Originally Posted by bmclaughlin807 View Post
    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.
    Is it not Bugur King who has the slogan "Have it your way" ? LOL
    "Difference between a well dressed cyclist riding a two wheeled bicycle and a badly dressed cyclist riding a Recumbent is only a-tire"
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    Some people got their head so far up their butt such that the only thing they hear is muffle when trying to explain anything to them! I only wish they take it out sometimes to smell the roses.

  5. #55
    Super Moderator making's Avatar
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    I did not read all the post, but Ihave used an ATM recently on my bicycle and did not even think about it. Easier to do even.
    Good Night Chesty, Wherever You Are

  6. #56
    I am a caffine girl colleen c's Avatar
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    Quote Originally Posted by wheeldeal View Post
    Those of us who live in America have this thing called lawsuits. When you're at the drive up ATM, you're in private property. What if some drunk guy pulls up behind you and flattens you? You're left being a vegetable the rest of your life and I'm sure you'll want to be compensated, correct? You sue the driver, who doesn't have auto insurance, is on welfare and spends his foodstamp money on PBRs & cigarettes.

    Let me take a wild guess who you're going to sue next. See the reason behind the corporate policy?
    That make sense. Also the fact that cyclist is harder to see may raise the issue of getting hit from behind at the drive thru window.
    Last edited by colleen c; 07-22-10 at 07:49 AM.
    "Difference between a well dressed cyclist riding a two wheeled bicycle and a badly dressed cyclist riding a Recumbent is only a-tire"
    _______________________________________________________________________
    Some people got their head so far up their butt such that the only thing they hear is muffle when trying to explain anything to them! I only wish they take it out sometimes to smell the roses.

  7. #57
    xtrajack xtrajack's Avatar
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    In the state of Maine, a person on a bicycle may use the drive thru at any business. However, you do so at your own risk, negating the liability issues referenced above by a previous poster.
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  8. #58
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    No, I prefer to use the walk-up ATM.

  9. #59
    Sumerian Street Rider khutch's Avatar
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    Quote Originally Posted by wheeldeal View Post
    Those of us who live in America have this thing called lawsuits. When you're at the drive up ATM, you're in private property. What if some drunk guy pulls up behind you and flattens you? You're left being a vegetable the rest of your life and I'm sure you'll want to be compensated, correct? You sue the driver, who doesn't have auto insurance, is on welfare and spends his foodstamp money on PBRs & cigarettes.

    Let me take a wild guess who you're going to sue next. See the reason behind the corporate policy?
    The drunk is probably driving the biggest SUV made so he could flatten me in my modest sized car as well, not to mention the "smart car" and other tiny car drivers. Plus if I parked my bike and walked into the bank the drunk would flatten me on his way in or out as I walked across the parking lot. Nice try, but this argument does not justify rules against bike use of drive-thru ATMs or teller stations. McDonalds restaurants in my (our, if your Elmhurst is the Chicago suburb) area do exclude walkup customers from their drive-thru lanes, I don't know about bicycles. If their system depends on inductive loops to detect the presence of a customer at the ordering station this make some sense. On the other hand if you can see the loop to position your wheels optimally and your bike will trigger it they won't know you are not a car when they answer to take your order and I suspect they won't refuse to take your money when you get up to the delivery window!

    Ken

  10. #60
    Senior Member sggoodri's Avatar
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    I bike up to the drive-through ATM all the time. My closest bank branch office doesn't have a walk-up ATM.

    I've waited in line with traffic for the ATM but rarely is there more than one other customer there. Drivers who wait behind me usually stay way back.

    I also bike up to pharmacy drive-thrus without any problems to speak of. I don't use fast food drive thrus on the bike because I'd rather walk in. One exception, when I didn't have my lock with me after a long road ride, resulted in the drive-through window operator saying "We don't serve bikes." I said, "The bike isn't hungry." She scowled at me but took my order. I think she realized that I stank, and so keeping me outside was a service to her other customers.

  11. #61
    Senior Member rando's Avatar
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    The Drive-up ATM is probably fine, but the regular drive through banking stations may not be. after using these a couple of times, they told me through the speaker that I was not allowed to use these stations on my bike, that I had to come inside. probably a policy based on fear of lawsuits.
    "Think of bicycles as rideable art that can just about save the world". ~Grant Petersen

    Cyclists fare best when they recognize that there are times when acting vehicularly is not the best practice, and are flexible enough to do what is necessary as the situation warrants.--Me

  12. #62
    Senior Member Brian T.'s Avatar
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    Quote Originally Posted by d2create View Post
    Sure I do, why not???
    I use the drive up full serve tellers, too.
    Yep. I asked at my bank and they said ,"No problem". So, what the hell?
    Never get into an argument with an idiot, they only drag you down and beat you with experience.


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  13. #63
    Pedaled too far. Artkansas's Avatar
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    ATMs are one place a recumbent has a natural advantage over a diamond frame bike. You can sit down and do your banking just like a motorist.
    "He who serves all, best serves himself" Jack London

    Quote Originally Posted by Bjforrestal View Post
    I don't care if you are on a unicycle, as long as you're not using a motor to get places you get props from me. We're here to support each other. Share ideas, and motivate one another to actually keep doing it.

  14. #64
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    I use drive up ATM/teller windows all the time on my bicycle and to my knowledge no one has given a second thought about it, including myself.
    Life is good O^o

  15. #65
    In the right lane gerv's Avatar
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    I have used an ATM on bike once or twice. However, I mostly get cash from the "cash back" feature at the grocery store. No need for an extra trip to the bank.

  16. #66
    Subjectively Insane MilitantPotato's Avatar
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    This needs to be posted on twitter.
    There's a website for silly stuff like this.
    http://therealfirstworldproblems.tumblr.com/
    You've got a bike, so you gotta move.

  17. #67
    Cycle Year Round CB HI's Avatar
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    Quote Originally Posted by colleen c View Post
    That's kinda like the Santa Cruz bank robber who uses his bike as a getaway car.


    I tried that one time ...
    It is sometimes good to consider how your post will look when someone clicks on "Reply With Quote".

  18. #68
    I am a caffine girl colleen c's Avatar
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    Quote Originally Posted by CB HI View Post
    It is sometimes good to consider how your post will look when someone clicks on "Reply With Quote".
    Oops and Duh, how embarassing of me. Good catch on that one. I keep forgetting how this bulletin board does not nest other quote but just my quote when a Reply with quote is used.

    I guess I'll have to take a Fifth when the enforcement come knocking at my door.
    "Difference between a well dressed cyclist riding a two wheeled bicycle and a badly dressed cyclist riding a Recumbent is only a-tire"
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    Some people got their head so far up their butt such that the only thing they hear is muffle when trying to explain anything to them! I only wish they take it out sometimes to smell the roses.

  19. #69
    Senior Member bhchdh's Avatar
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    I bike to the drive up ATMs at three branches of my bank regularly. I've never considered that it might be a problem.

  20. #70
    ɹǝqɯǝɯ ɹoıuǝs wheeldeal's Avatar
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    Quote Originally Posted by khutch View Post
    The drunk is probably driving the biggest SUV made so he could flatten me in my modest sized car as well, not to mention the "smart car" and other tiny car drivers. Plus if I parked my bike and walked into the bank the drunk would flatten me on his way in or out as I walked across the parking lot. Nice try, but this argument does not justify rules against bike use of drive-thru ATMs or teller stations.
    Nice try, but my observation does justify why a corporate institution wouldn't want any unnecessary liability. I would rather lose ONE customer than to alter my corporate policy to accommodate a tiny portion of the public who chooses a bicycle as their main mode of transportation (who is stubborn enough to threaten to never do business with me again even though I provide other alternatives to your banking needs....aka walk through the front door).

    Let me play along with your story. If a drunk driver is driving a Hummer H2 and will be rear ending me at 20mph, would I want to be:
    A - in a modest sized car
    B - a "Smart Car"
    C - on a bicycle

    Note: If you haven't noticed, answers A & B will provide you with protection in the form of a steel cage. You will be surrounded by a steel cage with crumple zones. This steel cage weighs roughly 2,000lbs.

    Answer C provides me with protection in the form of a helmet & bicycle fingerless gloves. At least when I rode a motorized bike, I have knee sliders, elbow, shoulder, chest/kidney protection. But I still wouldn't want to be rear ended at 20mph.

    In response to your comment about getting flattened by a drunk driver on your way to the bank, it has nothing to do with your choice of being a cyclist. A pedestrian can be flattened just as easily. I don't see your point.
    Last edited by wheeldeal; 07-23-10 at 09:18 PM.
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  21. #71
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    Quote Originally Posted by wheeldeal View Post
    Nice try, but my observation does justify why a corporate institution wouldn't want any unnecessary liability. I would rather lose ONE customer than to alter my corporate policy to accommodate a tiny portion of the public who chooses a bicycle as their main mode of transportation (who is stubborn enough to threaten to never do business with me again even though I provide other alternatives to your banking needs....aka walk through the front door).
    I've seen this justification a lot, but I still don't buy the validity of it. A number of years ago the LAB/LAW (League of American Bicyclists) had an article on this issue in their magazine. They checked with a number of companies that didn't allow cyclists to use the drive-up and were told repeatedly that it was because of liability concerns so their insurance carrier insisted on it. The reporter then got the names of the insurance carriers and asked them for their policy on it and discovered that not a single one had any objection to cyclists in the drive-ups.

    I've run into the same situation with bike clubs that require use of helmets. Some are upfront that it was just a policy decision made by them, but others pass the buck to insurance company requirements. But the main carrier used by bike clubs has no requirement for helmet use on club rides nor does their suggested waiver form even mention helmets. While I can't know if there might be some other insurance company that does have a mandatory helmet policy, I have yet to hear of one.

    I'd also note that there's a big difference between being able to sue and being successful. Unless the business was pretty clearly negligent in some way in the design of their drive-up area I would expect a jury to place the entire fault on the driver who ran into the cyclist and not assign any blame to the business. I've been on a couple juries and at least in those cases we deliberated very thoughtfully before reaching a decision.

    As to the original question, I've used both ATMs and drive-up tellers (back before ATMs) while cycling. Only had a problem at one bank with the drive-up tellers - after that they were no longer our bank.
    Last edited by prathmann; 07-23-10 at 09:48 PM.

  22. #72
    Sumerian Street Rider khutch's Avatar
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    Quote Originally Posted by wheeldeal View Post
    In response to your comment about getting flattened by a drunk driver on your way to the bank, it has nothing to do with your choice of being a cyclist. A pedestrian can be flattened just as easily. I don't see your point.
    But that is my point. The bank already has many pedestrians in its parking lot who are exposed to the drunk driver as they enter and leave the bank building. The fact that I am on a bicycle in a different part of the same facility exposes me and the bank to zero extra risk so there is no reason to prohibit cyclists from using the drive up facility. The drunk could be anywhere since the drunk may not have intended to visit the bank at all and is just as likely to use the walk in as the drive up if he/she did. There is simply no way to predict what a drunk will do or where the drunk will be when the accident occurs. The drunk might drive right into the crowded lobby of the building! I think I am actually somewhat safer at the ATM since the lane is narrow and the drunk could easily ram the lane dividers or the teller machines instead of me! At one bank I frequently use the ATM lane is the first of several lanes that angle sharply off the access lane immediately after a sharp curve. It requires a sober driver to use all their skill and attention to reach that ATM, there is nearly zero chance of a drunk doing it.

    I think that fast food restaurants (and banks) are much more justified in excluding pedestrians at their drive up windows. Pedestrians follow no rules and can appear suddenly from behind structures or parked cars when they try to use facilities that are not designed to accommodate them. Cyclists are completely different. We use the facility in the same way an automobile or motorcycle would use it. We follow the traffic rules as well as the drivers of those vehicles do and are just as predictable as they are. In the tight confines of this type of facility with sharp access turns and short straight portions we don't even proceed at a lower rate of speed than they do. So we do not inconvenience them by being there except by being ahead of them in line and that is an inconvenience they have no legitimate reason to complain about. There simply is no reason, insurance risk or otherwise, to exclude us. I say don't patronize a bank that does not want us.

    Ken

  23. #73
    ɹǝqɯǝɯ ɹoıuǝs wheeldeal's Avatar
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    Quote Originally Posted by prathmann View Post
    I'd also note that there's a big difference between being able to sue and being successful. Unless the business was pretty clearly negligent in some way in the design of their drive-up area I would expect a jury to place the entire fault on the driver who ran into the cyclist and not assign any blame to the business. I've been on a couple juries and at least in those cases we deliberated very thoughtfully before reaching a decision.
    I agree with you 110% here. However, it's unfortunate that being sued (even if the plaintiff isn't successful) = lots of $$$ spent on legal fees (defense attorneys normally don't work for free). Prosecutors, on the other hand, have more options regarding charging legal fees.
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    HA!
    The Roseville Police Department needs help identifying a man who robbed two banks located inside Sunrise Avenue grocery stores over the past two months.
    At around noon on May 14, the man robbed River City Bank inside the Bel Air supermarket (1039 Sunrise Avenue). He was spotted riding away on a mountain bike.
    At about 1:45 p.m. on June 22, the same man robbed the U.S. Bank branch inside Safeway (898 Sunrise Avenue). In both robberies, the suspect gave the teller a note demanding money. No weapon was seen, and no one reported being injured during either robbery.

    I use the Atm Drive thru if its open I dont Give a dam. Only takes me 15 mins to get there!

  25. #75
    invisible friend seenoweevil's Avatar
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    Quote Originally Posted by corkscrew View Post
    I've used the drive up teller window @ my credit union before. No one even batted an eye.
    Same here. A couple of times on Saturday morning with 4 lanes lined up around the building. No comments, maybe some curious looks.
    Faster than a sundial.

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