Why are banks not closing?

You are most likely to get infected by touching your face after coming into contact. Washing hands is a more effective than closing banks, because people still have to go other places: grocery stores, etc., even if discretionary public places (bars, etc) are closed.

> Banks have the infrastructure to run drive-thru only branches.

Maybe out in the suburbs, but here in NYC, where most bank branches are storefronts on the ground floors of larger buildings, that would be impossible.

Also, if banks closed, businesses could no longer accept cash payments, since there would be nowhere to deposit them. And lots of poor people rely on cash for buying life's necessities because they have no credit cards.

Sounds like a good way to incite panic and a bank run.