- bank account fee - online and mobile banking fees - card "membership" fee - individual payment fees - ATM fees - incoming card payment fees - [probably more]

And the bank is already making money by lending out my money to others and charging interest. I'm not saying none of those fees are justified, but at some point you have to ask: have they not taken enough??

As a regular consumer you can deposit cash without additional fees.

If you're running even a modest business, keeping large amounts of cash on-hand for any length of time is a business risk. Some vendors may not want to be paid in cash, particularly for larger payments.

Depositing it is the only way to deal with a lot of things.