> If you want to transfer > X million ahead of time, you must give an N day notice. We have those kind of fixed-term and notice accounts, but many businesses a

> If you want to transfer > X million ahead of time, you must give an N day notice. We have those kind of fixed-term and notice accounts, but many businesses and consumers prefer to use more flexible demand-deposit accounts. You could theoretically regulate demand-deposit accounts out of existence and say everyone now has to use fixed-term and notice accounts, but that might have significant implications on the level of deposits that people choose to hold with banks (as opposed to just handling the cash themselves, where they have no such notice requirements), and this will have significant knock-on impacts to the availability of credit. > Additionally, the bank can choose to deny it if it’s coming from a regular (ie not money market) account (chequing / savings). Under what circumstances could they choose to deny it? For how long can they choose to deny it? I wouldn't personally be too fond of lending my own hard earned money to an entity that can arbitrarily choose not to give it back for an indefinite period of time in a way that gives me no legal recourse... Again such a regulatory change could have significant knock-on implications to the quantity of deposits and the availability of credit. The tricky things with bank runs are there aren't any easy solutions - the best one we've come up with so far is deposit insurance, although this has it's limits (both metaphorically and literally).