The comparison is not bitcoin and bank accounts, its bitcoin and the USD.
The point is that "money" that you have in a bank is just 0s and 1s in a computer database maintained by software, "bitcoins" is just 0s and 1s in a computer database maintained by software. To say that "bitcoins" is software because it is "just 0s and 1s" is to say that the transfer of value can't be represented as a transaction entry in a computer based transaction ledger.
Bank accounts are just a bank's way of accounting and displaying transaction information, etc.
And bitcoins are just the bitcoin protocol's way of accounting and displaying transaction information, etc.