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It isn't 'Ghetto' if the bank doesn't have the tellers behind bullet-proof glass. Did you have these?
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For some reason, I don't see any bulletproof glass banks anymore. The last bank I saw that had them was one in a upper middle class neighborhood in Maryland. I even lived in, been to some rough neighborhoods since then and none have the glass.
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Probably because the staff is told to comply with the robbers every request. No need for bullet proof glass if you are gonna do whatever the robber asks anyways, gives them no reason to shoot you, and disturbs the customers who think the bank may not be safe because the need the glass.
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Hmm, over here, every high street normal bank has bullet proof glass in front of the tellers, and we don't even have any guns.