Blue Here is a better site https://www.fdic.gov/regulations/laws/rules/4000-9860.html
It basically says:
In summary, it appears from the facts provided that the proposed courier/messenger services would include at least one of the core banking functions, i.e., receiving deposits, that the service would be established by the Bank, and that the service would provide the Bank a competitive advantage over other banks. As a result, such a service would be considered to be a branch and, therefore, would require the FDIC's prior consent under section 18(d)(1) of the Federal Deposit Insurance Act, 12 U.S.C. § 1828(d)(1).