Are banks open or is it only through drive thru?

In my neck of the woods (Frisco Bay Area), banks are open and going to the bank is allowed as an essential activity even if there is a stay home order. Other essential activities include getting groceries and exercising. 

You'd need to contact your local bank and ask them. Every state in the US is opening at a different rate. It makes more sense to call than to ask people here, who don't know where you bank, to guess if your banks are open yet (lobby) or not. Your state's governor will decide when banks are allowed to open, but even then it's up to each facility to decide when (once the governor allows it) to open for customers to come inside.

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The big name ones are open and might still have early closing time or have gone back to their regular closing time. But not all locations might be open.

You must call or look on their website. Each bank, each state, and each city are different.

Banks never closed in most states.