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Comment by kogus | Hacker News Reader

Yes, it's typical in the US to have a drive-thru lane at a bank branch. You can send items back and forth using those pneumatic tube things. Are they not common in Canada? Here is a short video showing how they work. https://www.youtube.com/watch?v=Y5pVJ8ID0DQ

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That seems slower than getting out. Only advantage I can see is for people with mobility issues (thought even then leaning out would be a challenge) and making it less likely to have bank robberies.

Depends on the transaction. When I used to have to drop off checks it was very fast.

With FedNow instant payments now available, I would expect check volume to continue to decline, negating the need for physical transfers of instruments at banks (both checks and cash). Branches will end up as advisory and sales touch points; Capital One is marketing them as cafes, for example.

https://www.axios.com/2024/09/06/the-real-problem-with-the-c...

https://www.capitalone.com/local/

https://www.youtube.com/watch?v=TkbeaEjH8JU

I wonder how in-person services like medallion stamps will be affected.

I don’t think brokerage offices are going away anytime soon. https://www.login.gov/ is the future though of US identity.

> Are they not common in Canada?

I'm not sure they were ever common, but certainly exist. A lot of them have been since removed, though, making them less common than they used to be.

In fact I don't think I live near a bank / credit union that doesn't have a drive-thru.

You see these pneumatic tubes at Drive-Thru Pharmacies as well.

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