Comment: There's only one type of fractional reserve banking!

There's no way to "narrow" the definition of fractional reserve banking, because the definition is simply holding a fraction of deposits in reserve. The only thing that is variable is the fraction that is held in reserve.

"Loaning out long-term savings," doesn't require fractional reserves at all! If you make a long-term deposit in savings, the bank can loan it out during the term of the deposit. In fact, the length of the deposit is irrelevant. A bank can loan out any deposit for any length of time agreed upon, and pay a share of the interest to the depositor - all without fractional reserve banking.