I work for a large bank now and we resell a lot of lockbox and item processing services to the smaller banks.
Another option is to go to a Lowes or Home Depot and buy something small and take out extra cash using your debit card if the networks are working in your area but not where your bank is located.
After September 11th a bunch of new banking regulations came into place. No one bank can have more than 10% of deposits, all banks over a certain size must have redundant data centers separated by x number of miles, etc. The bank I work for just built two new main data centers and is consolidating all the old small ones down to the three or 4 main large centers with a nice meshed network between them.