Small problem with that. Banks don't loan out deposits. Banks create deposits by issuing loans. So to start a Bank you don't need any deposits, and in a negat

Small problem with that. Banks don't loan out deposits. Banks create deposits by issuing loans. So to start a Bank you don't need any deposits, and in a negative interest rate environment you don't need to chase them. Deposits backed by 'cash' will automatically come to you in the backfill process (which is how the deposits created by loans can be used to pay people at other banks). That's how negative interest rates stimulate loans.