[lotsofpulp]

Because we are talking about a server, so the marginal cost of operating is basically electricity. And no one is forcing other bank websites to operate 24/7, it just makes economic sense to provide it since it costs so little.

I would not patronize a business that had to regularly shut down their website, I would wonder what kind of weak IT department they have and why I would want to invest in that.

[jackson1442]

Same here. Sometimes I pay my bills at night just because that's convenient for me. If Wells Fargo started locking me out of my account outside of business hours (different from standard maintenance windows) I would immediately run to another bank.

Locking bank websites after hours isn't a great proposition for an increasingly cashless society.