Sound Banking System (3) No Interest
Depositing money on call would become less attractive option, because deposits would face bank charges, but no interest. To avoid this problem, people would only deposit money on call, if they expect to use it immediately. If they do not want to use the money immediately, they would be better to deposit it at loan bank for a fixed term (even if only a few days) so it can be lent out and to earn interest.
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