# Do banks take money to repay deposits from required reserves?

Say I deposit 200 dollars in the bank and 20 dollars is set aside for the required reserves. Other customers also deposit money and more money goes into the required reserves.

If I go and get the 200 dollars back, can the bank take money from the required reserves, or can that not be touched unless a bank run occurs?

When you get your \$200 back, the bank's required reserves go down by \$20 as well, so the bank can take that amount back from its reserves.
Operationally, the bank wouldn't go to the central bank and get this, as they probably would have \$200 in cash laying around already. • But 20 dollars isn't enough to get the$200 back, can the bank take more from the required reserves and assume that they can replenish it when more deposits come in? Dec 16 '19 at 22:23