NPC spot = getNpcs().closest((Filter<NPC>) npc -> npc.getName().equals("Banker") && npc.hasAction("Bank"));
Use this for the closest NPC. Always do it by their name and actions because if you use the id of the bank etc, on each RS update, the ids do change so the bot will then be unsuccessful.
For a bank booth...
if (!getBank().isOpen())
getBank().open();
or try
Object bank = getBank().open();