Does a 3S 18650 battery pack need a balanced charge circuit?
Balancing a string of cells in series is optional because it is not a safety feature.
However, balancing is highly desirable as it maximizes the effective capacity of a string of cells over time. That is why it is almost universally implemented.
Just about every BMS IC does implement balancing.
BQ25723 and BQ241xx.
Those are not BMS ICs. Those are charger ICs. A charger is not a BMS. You need both: a charger AND and a BMS.
Based on your questions, I suspect you don't yet have the basic understanding required to design your own power bank. I strongly recommend that you buy a ready-made power bank: safe, guaranteed to work, cheaper. Or, if you must build your own, I recommend you buy a ready-made BMS: safe, guaranteed to work, cheaper.