In a very broad sense, you can also "create new money": If you are widely known for never letting any of your checks bounce, these checks might become regarded as a kind of money, and people might defer cashing them out of convenience or due to other factors, in a similar way that e.g. Amazon or Starbucks gift cards seem a bit like money as well.

But in the more narrow sense, banks indeed have something quite useful that you, as a non-bank, don't: They have access to the Fed's deposit window, where they can borrow reserves by posting discounted securities as collateral. Often, that's treasuries, but it can also be commercial or even home loans.

Borrowing from the Fed in that way is in fact one of the mechanisms that create new reserves.