that bypassed the carhops. In 1948, Harry and Esther Snyder of the In-N-Out Burger chain built the first true drive-through restaurant, featuring a two-way speaker system that Harry Snyder invented himself earlier that year. By the 1970s, drive-through service had replaced drive-in restaurants in the United States. The first McDonald's drive-through was created in 1975 in Sierra Vista, Arizona, near Fort Huachuca, a military installation, to serve military members who were not permitted to get out of their cars off-post while wearing fatigues. The original McDonald's was closed down and demolished in May 1999 and a new McDonald's replaced it. In 1981, Max Hamburgers opened Northern Europe's first drive-in in Piteå. Another early drive-through restaurant in Europe, a McDonald's drive-through, opened at the Nutgrove Shopping Centre in Dublin, Ireland in 1985. In the US, drive-throughs account for 70 percent of McDonald's business and the average drive through order is fulfilled in under three and one half minutes. Outside of the US, McDonald's drive-throughs are variously known as "McAuto", "McDrive" and "AutoMac". In 2010, the Casa Linda, Texas, franchise of McDonald's opened a drive-through/walk-up only store with no indoor seating although it has a small patio with tables. In McDonald's in the UK, all McDonald's are going under an EOTF transformation (Experience of the Future), where many McDonald's with Drive-Thrus will have a third window. This would be where at the second window, the presenter would tell customers to pull up to the third window (if they've got a larger order and have longer to wait), this is known as the "fast forward window". This reduces waiting times for customers. Drive-through banking In 1928, City Center Bank, which became UMB Financial Corporation, president R. Crosby Kemper opened what is considered the first drive-up window. Shortly after the Grand National Bank in St Louis opened up a drive-through, including a slot to the side for night time deposits. Westminster Bank opened the UK's first drive-through bank in Liverpool in 1959, soon followed by Ulster Bank opening Ireland's first in 1961 at Finaghy. In recent years, there has been a decline in drive-through banking due to increased traffic congestion and the increased availability of automated teller machines and telephone and internet banking. However, many bank buildings now feature drive-through ATMs. Drive-through stores Grocery shopping Harold Willis and his father, Robert Willis, first incorporated a dairy and eggs drive through service in Redlands, California,