[dan-robertson]

How do the three things you listed make money for the bank? I thought withdrawing cash (maybe by (A) you mean originating loans?) and handling checks are offered at no charge by most banks as a loss-leader/because of regulations. I don’t really know what your (C) is.

Perhaps another thing is maybe the OP is mostly talking about massive banks in the United States with many branches and you’re talking about smaller credit unions or community banks which make money in different ways? That might explain why you might both talk about ‘banks’ while both being right and yet talking about totally different businesses.