[bsder]

> At some point customer service died.

At some point enforcement died. It used to be that locking someone out of their money would wind up with people in jail.

Now, it's not just a cost of doing business but also viewed as a positive by state actors.

[Wowfunhappy]

...when exactly would you have gone to jail for this?

[jlaternman]

Yep. I'd like to see some news stories confirming this magical past.

[bsder]

Lots of banking access laws were put in place after the Great Depression and vestiges still remain although most of them have been repealed.

See, for example, Section 37.002(c) of the Texas finance code: "An office or operation may not remain closed for more than three consecutive days, excluding days on which the bank is customarily closed, without the banking commissioner’s approval."

Laws like these were put in place because failing to disburse someone's money could cause a bank run.