Jal
(1) Run Microsoft Access from a file server across a network. Neither the data nor the Access runtime is installed on the workstations.
(2) Install the Access runtime on each workstation. (With the actual data stored as a shared database located on a file server).
(3) Use Windows 2003 Terminal Service as an application server for Access.
In your options, #1 is not possible at all because some of the things that would be required for using Access are in your machine's HKEY_LOCAL_SOFTWARE hive of your registry. So if Access wasn't installed on the machine to update the registry, you can't run it from a remote source. (Unlike some older game programs and some executable self-unzipping files, where such a thing actually IS possible.)
Your #2 is a common way to use Access.
Your #3 works but beware of your end-user license agreement (EULA). You cannot run an off-the-shelf version of Access this way because it violates one of the terms of the license agreement. You CAN get a license to overcome this requirement but probably not from your local software retailer.
But there are variants of #2, such as splitting the database out into two parts, the front end and back end (FE and BE). Put the data in the BE. Put forms, reports, query definitions, macros, modules in the FE. Once you split this database, you put the FE on everyone's workstation. Then when you go to load the form, it is local. But the data for the form is remote. Speeds up the process by a little bit.
The more important part of this is that if you get the FE/BE split working right, then migrating to some OTHER back-end process just got easier. Because you have already isolated the tables from the rest of the application.
The referenced article about using a WAN is not too bad because it really emphasizes the right questions about scale. However, it oversimplifies things sometimes. For instance, if you were a read-only user of a database, I don't think it is quite as likely that losing your connection corrupts the remote copy of the database. (Note I didn't say impossible. We're talking probabilities.)
"File server" for Access only means that the .MDB file is elsewhere than the workstation working on it. Nothing else than that. The previous comments about Access optimizing what parts of the file it downloads happen to be true, which is why Access works at all over a network.