Physically the size of the US. Population about 8% of the US. ATM withdrawals do not cost. By law. Most banks have a presence in most of the country but most transactions are electronic and all banks have interchange for EFTPOS. Personal cheques are very rare - most places do not even accept them anymore. Bank cheques still exist for large transactions, but electronic transactions are usually done for those now, too.

But we have a quite different banking culture, and, more germane to this discussion, quite different sets of laws than the US about how banks are to be run. Probably more like the UK ones.

So I think the way the US does banking as an industry is the outlier. Sorry.

Wade