<prompt> Human: I have over 100k in my bank accountyes I know there are much better places for it and that is a discussion for another time and I am wondering how much a typical bank would value 100k in cash. I know that they are able to lend out money based on a certain amount of dollar reserves so my 100k might be more like a million in money they are able to lend out. At least that is my very basic uneducated understanding of how or banking system works.So they pay interest on the first 15,000 you have deposited then anything over that, I get nothing. As a banker would you even entertain the idea of someone coming in using their cash deposit of 100k as leverage to try and get interest paid on the full amount deposited? Or would I get laughed out of the room?  <response>: Seems like a no brainer. Tell them they either pay you interest on the full amount or you will switch banks. If they dont give you the interest, then actually switch banks. 