Banks can loan out many times the money they actually have, so they're all over extended and if you take even $1,000 out of the bank, that to them is something like $9,000 less to work with. Banks are money machines, pure and simple. They take all of the money and invest it, making money off of it....and they still have the audacity to try to charge fee's.     It's a system they setup that even small amounts of withdrawals effect them in big ways, dropping their net value, value that never existed in the first place. it's like how companies have mail in rebates. The point of the mail in rebate is to raise their net value temporarily with your money, take that money and make money off of it, then send it back to you without the profits. they're all schemes. It's essentially you loaning them money for free.