Loans create deposits. Always have always will. Deposits don’t move banks. What happens is the ownership tag changes. So when you “move” your money to an acco

Loans create deposits. Always have always will. Deposits don’t move banks. What happens is the ownership tag changes. So when you “move” your money to an account at the central bank, the central bank necessarily takes over your old deposit in the bank you’re moving from. That becomes an asset of the central bank and they create a new deposit for you against that. That’s how all bank transfers work at root.