From my midwestern US perspective, banks downtown tend not to have drive-throughs, and banks that are in lower-density areas always have drive-throughs.
But then, my perception is clouded by my own bias, wherein: I've spent most of my life in areas with zero public transportation and that generally despise pedestrians.
In areas where people tend to walk, bike, or use public transit instead of owning and driving a car, I can imagine that building a drive-through for a bank has very little utility to the bank or the bank's customers.
From my midwestern US perspective, banks downtown tend not to have drive-throughs, and banks that are in lower-density areas always have drive-throughs.
But then, my perception is clouded by my own bias, wherein: I've spent most of my life in areas with zero public transportation and that generally despise pedestrians.
In areas where people tend to walk, bike, or use public transit instead of owning and driving a car, I can imagine that building a drive-through for a bank has very little utility to the bank or the bank's customers.