I think for now there is little possibility for bitcoin to make banks especially in countries that still ban the crypto world (most developing countries) maybe in the next few years will come true.
Actually our Wallet is a bank, but another topic with what you say. Back on your topic, until now bitcoin still need bank to deposit or withdraw money from our bitcoin wallet, because if without bank we can not do both. Unlike the case if bitcoins have their own banks (like traditional banks) it is certain they (traditional banks) are no longer needed for bitcoin users or cryptocurrency users.