when storing large amounts of money in any bank it is important to remember that their available reserves at any given time may influence the amount of cash that you can withdraw at once 
special considerationskey rates are one of the chief tools used by the federal reserve system to implement monetary policy when the federal reserve wants to expand the money supply in the economy it will typically buy bonds on the open market with newly created money using the federal funds rater to gauge the volume and speed of bond purchased needed when the federal reserve is in a contractionary phase it will raise the rates to increase the cost of borrowing the federal reserve is able to control the money supply by adjusting the key rate since the prime rate depends on the key rate the prime rate is the benchmark rate offered by banks to consumers as a general rule of thumb the national prime rate is usually about 3 percentage points above the fed funds rate 12 if the fed funds rate increases after the discount rate increases banks will alter their prime rates to reflect this change therefore the rates on consumer loans such as the mortgage rates and credit card rates will also increase 