How Is Money Created "Out of Thin Air" by Banks

How is money created "out of thin air" by banks?

A) Banks loan out money that is then redeposited into other banks, creating a cycle.
B) Banks are able to print as much money as they need to run their daily operations.
C) Banks can borrow large amounts of money from the government at virtually no interest.
D) Banks can recall loans back from customers at any time, generating reserves quickly.