In the meantime, I emailed Pam O'Connell, President of the Heartland Credit Union and explained the situation and asked if there was some industry practice regarind bikes in drive-through lanes. She emailed back:
It is up to each financial institution - no problem with regard to insurance.Then, ever on the job:
It's those pesky banks.....you should be using your fantastic Credit Union!!She's right, I should. We have savings accounts and a car loan at the credit union but not our primary checking. This is basically because of inertia.
I'm not even sure if Heartland has any drive-up lanes at the moment, but we're building a new home office opening next year (in Inver Grove Heights) and it will have drive-through lanes and I'm guessing they'll serve bicycles.