Um, I use the bank app that my bank provides, are you seriously asking this question?
You said:
Most of can do that without the cloud.
Using the bank app that your bank provides IS using the cloud. The Cloud is a server sitting on the internet accepting API calls from applications from the internet. So what Averagenerd81 is trying to show you is that no, you can't do that "without the cloud" - you need a cloud server accepting api calls on the internet. Without that, you cannot use the internet to check your bank.
So by using the bank app that your bank provides you are using the cloud.
You are wrong by saying "most of can do that without the cloud" - you can't.