Lower Hutt (Queensgate branch) - always long lines and long waiting times. The shop has been remodeled several times but still no one bothers hiring more people to work the very busy shop. I no longer bank personally with Kiwibank but have to for work - wish i could avoid the lines. Even at 10:30 in the morning the line was several people deep and took a while to get through. There were only two kiwibank counters, which meant one of the three staff members who could have been helping was left to stand around doing nothing.