banks

[Saneta]

http://www.english-test.net/toeic/listening/a_bank_customer_is_asking_about_her_recent_money_transfer.html

Since the banks don't operate on weekends, these don't get processed until the following Monday.
these =banks?can it be also:

Since the banks don't operate on weekends, so don't get processed until the following Monday.

thank you

[Beeesneees]

these = money transfers, cheques or documents relating to the transaction being undertaken,

'So' won't work there because you have already used 'since'.
You'd need to change the sentence:
The banks don't operate on weekends so these don't get processed until the following Monday.
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