Some large companies get a banking license and then handle their own stuff; medium sized companies make favorable contracts with banks (they are
golden goose customers - never an issue, no brick and mortar presence needed, banks love them), or they simply suck up the transfer cost (if you move millions, who cares about a 40 $ fee).
Like a shop that is buzzing with
customers, my busy site has not only benefitted a lot of visitors with info they are seeking, but financially, it is like the
goose that lays the
golden egg.