Routine cash withdrawals and deposit reallocations occur constantly within the banking sector, but widespread systemic bank runs are absent under normal macroeconomic conditions. When interest rates on high-yield savings accounts, Treasury bills, and money market funds rise significantly above traditional brick-and-mortar checking account rates, financially savvy depositors routinely move excess cash out of low-yielding accounts to capture higher returns. However, overall consumer and institutional banking deposits remain heavily protected by federal deposit insurance limits.