[tacostakohashi]

Does it, in fact, not permit you to get to the entire balance immediately via, say, cash or a bank check?

It sounds like you are referring to something like an ATM withdrawal limit or online transfer limit which is just a risk / fraud limiting measure for those particular channels rather than a limitation on the account itself.

[timcederman]

Live Oak Bank limits business account withdrawals to $250k/day.

[shalmanese]

If you have a business which pays fortnightly and the average employee makes $250K, then just payroll for 26 employees will reach your limit.

[nulbyte]

You don't need currency to facilitate payroll; it's a series of transfers, not withdrawals. And the recipients don't usually need that much currency either, even if they do bank at the same place.

[lazide]

That’s a policy thing to limit capital outflows, not a technical limitation.

[fsckboy]

but that's exactly what we're talking about