[ta1243]

Doesn't stop a run

10 people put $10 in your bank. You give someone a loan for $50 and leave $50 in the vault. 7 of your customers take $10 out, you are screwed.

[notch898a]

Depends. If they take it out electrically, send it to another bank then it just shows up as debt in a database from bank A to bank B. Cash is dirty and boring nowadays.

[imtringued]

This doesn't apply to certificates of deposit as depositors agree to not withdraw their money until a specified point in time.