In the context of humorous riddles and wordplay, the answer to what bank never holds money is a river bank. While commercial banks, credit unions, and central banking institutions are specifically designed to manage capital, process funds, and store physical currency or digital assets, a geographical river bank is a natural landform bordering a body of water. Because it is made of earth and sediment, it cannot store financial funds, making it the classic punchline to this popular riddle.