You would use your banks mobile app or website to view your current balance.
Wether you leave your XRP on an Exchange or move it ‘offline’ to a soft/hard wallet, just like your cash remains in the bank, your XRP remains on the XRP Ledger network, so you really only view the balance and transfer it around.
Compare how you money is kept and moved to how your XRP is kept on an Exchange or an offline wallet.
You can search online for the many types and providers of both Software and Hardware wallets
A example of a Software vs Hardware wallet is given below, both are popular types used by the XRPcommunity.
Toast Wallet is a free (Donations only) XRP Wallet to take total ownership of your XRP Digital Asset
Could be vulnerable to a PC Failure or PC hack but the hacker also needs your secure pin codes and passphrases.
The link for the Ledger Nano website below will give you much more detail on its capabilities and integrated enhanced security. The link does contain an affiliate code and you can remove this from the website landing page once open if you feel the need. Affiliate rewards help keep this website alive, thank you.