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I do 95% of my banking at the ATM but I rarely ever use the drive up... I prefer to use the walk up ones. I am very quick on them but do not mind waiting a few minutes if needed.
What I hate is when I am doing banking deposits for someone else and the person in front takes forever, sending the tube back and forth, back and forth... It's like they are financing a house using the drive thru... What the fuck. Then they get it back and sit there for a few before pulling off... I always pull forward to count my money, put my wallet away, etc. It's just more courteous.
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