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access laws were put in place after the Great Depression and vestiges still remain although most of them have been repealed.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