>costs of cash money because there isn't a single fee like there is with card payments

There can be. Some banks will charge commercial deposit customers a fee for their cash deposits based on the amount of cash being deposited (usually once they cross some threshold, such as $.0075 per $100 for cash deposits exceeding $10,000 during the statement cycle). Then they will also be charged by the bank for change orders to replenish their cash drawer and keeping appropriate change on hand.