I've done both fast food and banks on my bicycle - the fast food was a bit 'shocked' when I got around to the window, but didn't balk at taking my money or giving my food... the bank however, did request that in the future I opt to come inside for 'service'... which I didn't, due no place to lock my bicycle at that bank. The next time I came to the bank drive through the manager requested again that I come inside - and I requested that they have a bicycle rack if they want bicyclist to come inside... never had another issue.