When you deposit money at a commercial bank, and they send the excess cash to the central bank, they do get central bank reserves. However, that doesn't mean i

When you deposit money at a commercial bank, and they send the excess cash to the central bank, they do get central bank reserves. However, that doesn't mean it happens routinely. Most banks probably just send the cash between one another, decided via a clearing house with no central bank middle man. I am only describing the cash handling process here by the way. 99% of the business still operates based on electronic reserves.