ADA may still apply, but with respect to your bank example, keep in mind that sometimes handicapped parking ratios (and the overall required number of spaces) is often regulated by local zoning.
What Alan is saying is that this "office" is
ONLY a drive-thru location!
(You have to remain in the car to drive thru the drive-thru teller!) Even if it's a local zoning law, there should be a stupidity exemption!
What is the purpose of having a handicapped parking spot there, if you must be in the car to use the drive-thru teller?
(You can not go inside and there is no ATM there!)