"город с банком"
Translation:a town with a bank
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I suppose anything is possible in Russia, but I have not yet heard of anyone receiving a paycheck in Russia. Also I have never met anyone with a checkbook. I very recently received a message from a young friend who left Russia to do a post-doc at an American university. The first two things mentioned that required getting used to were closets and checks.
The distinction that I am familiar with is that a closet is built into the structure. It is not furniture. You do not take it with you when you move. A шкаф (cupboard, wardrobe, etc.) is a unit that you can take with you when you move, just like beds, sofas, chairs, etc. In fact, I have disassembled, moved, and reassembled several such storage units in 20+ years living in Russia.