When you create a bank you get a memory area that has an address in memory. So, there's no difference. In modern operating systems you can't poke upon an address directly. The OS doesn't let you do that, unless you're writing a driver, a VXD in Win9x or whatever must run in ring-0) and it's dangerous to do that as you could damage the system and you most likely would lose compatibility with further releases of the OS.
Ciao.
Ciao.