It is true that most banks don't keep probably over 50K on hand. Depends on the size of the bank. We were told once that an amount we wanted to withdraw was more than they kept on hand but they ordered it for us no questions asked. Now when I take out large amounts I tell them I'm going shopping. They all laugh. But then again we bank with our community bank and know all of the employees very well, it's not one of those mega banks where you are just a number to them. Pays to do business with your neighbor where all of the shareholders are your neighbors too.