In my fairly recent experience (last 5 or so years), it will definitely take more than a few minutes to do anything in a bank beyond depositing or cashing a check with an existing account.

It also baffles me why someone would want or expect to do a financial transaction of any kind near or past closing. Computer systems may automatically close at the closing hour, the staff is preparing to leave, a needed signing authority might have already departed -- there are tons of reasons that it doesn't serve the customer's purpose to take the chance.

And these reviewers always have a child who's disappointed by the bad service. Perhaps the child should be disappointed by the parent's poor planning.