Actually I can only remember one visit to a bank drive through in recent years (online banker here). I stopped by to borrow some 24 Season 4 and 5 DVDs from my friend who works at a bank. I rode up and he put them in that little drawer thingy that then passed them through the wall to me. No questions asked, although it was something like -30F at the time so he may have asked if I was cold.
No problems to report there although I'm not really sure that I'm adding to the conversation but now that I've typed this I'm going to hit submit anyway. If anyone is wondering the DVDs were ok.