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A bank is a place where you could vandalize all of the London (no, that's Banksy) or sing pseudo-emo songs (no, that's BANKS) or prepare blood and other blood products for transfusion (no, that's an immunohematology lab). But you can buy CDs there.

Banks work by you giving them your money, and them planting it to grow money trees (yes, money does grow on trees) and pocketing the vast majority of the money that grows. They also issue loans and charge interest on them.