Financial institutions (banks) are responsible in handling financial issues, records, accounts and income of individuals, companies, churches and organizations. They respond promptly according to your demands on your accounts, they also have zero tolerance for fraud and are very security conscious, security intelligence and anti financial crime expertise but they've policies of not collecting dime from customers accounts yet banks are most wealthiest institutions on earth.
Yeah, they earn money from almost every single service that they offer, they are not doing anything, literally anything for free to their customers but they just make it look like they are doing something great for us and we are being provided VIP service for no cost at all, but what happens in the background is that they are charging us for almost everything.
If you only make an estimate of ATM cash withdrawal fees using another bank's card, you will realize that they earn millions or billions only with that in a year, so you can imagine how much they actually make with every other service they offer.