While you never see them, there are transaction fees on every credit card or debit card transactions. Your bank collects the fees for debit cards from the vendor. Your vendor is also paying Visa (and the others) a fee for every transaction. Its built into the price of the product/transaction.
Bitcoin or Crypto transaction fees are usually lower.
Last year I moved more than six figures of bitcoin halfway around the world for $12. You are not going to get the speed and tranx cost for that kind of move from a bank.
Thanks for jumping in to answer
For your example; transfer to checking account.