Notice that in the indirect question I put the verb ('is') after the subject ('the bank'), in the same way as I do with a normal positive sentence ('the bank is over there'), but in the direct question I put the verb 'is' before the subject 'the bank'. This is called inversion, and it is used to make direct questions in many verb tenses in English, but we don't use inversion in indirect questions. This is very similar to the grammar of reported questions. However, we use indirect questions in a different way from reported questions. Indirect questions are a way of being polite. They are very, very common in English, especially when you're talking to someone you don't know.