Am i dressed inappropriate for going into my bank at the atm

No please go into the bank dressed like that

Flappy, don't ever change (your clothes).

If I was security at the door I would shoot you

personally, I don't care. Will society? Probably. Me, Idgaf. lol. You are covered.

While it's open, or an after hours lobby?

Why is this a question? I mean why would you think it makes any difference what you wear to visit a bank? If it is good enough to walk in the street it must be good enough for the bank.

this is the only acceptable bank attire.

Nope

Yes that looks inappropriate but your choice who cares