See "My bank is a failure?"
Today I went to my bank with my checkbook. As I walked from my car I saw that the ATM was open for business. I went inside anyway to chat with the staff. The manager explained that they put the ATM offline about four o'clock everyday for balancing or something. I hope I remember that time frame the next time I want cash.
This also shows the wisdom of buying local. Personal attention without a bureaucracy.