Factional reserve banks imitate up to 10 times the amount of money that they actually have deposited, and charge interest on it all. Since money represents labor, fractional reserve bankers are effectively robbing the value of everyone's labor through this scheme.
9 minute video explaining fractional reserve banking combined with fiat currency using the Federal Reserve's own documents:
Fractional reserve banking using the Fed's documents.
47 minute video explaining the history of fractional reserve banking:
The history of fractional reserve banking explained by video.
"Bank runs instruct the public in the essential fraudulence of fractional reserve banking, in its essence as a giant Ponzi scheme in which a few people can redeem their deposits only because most depositors do not follow suit."
Murray N. Rothbard
Fractional Reserve Banking is Fraudulent - Ron Paul on CNBC