[ConservativeMind]

I, too, have deposits at the same bank I have a loan, but I DON’T HAVE THE EQUIVALENT DEPOSIT OF MY LOAN, THERE.

That is what the author is saying, and it’s wrong, and you don’t see it.

[Fightin Whitey]

I get what you are saying. The idiot caps don't make your claim any clearer, or any less wrong-headed.

You make the statement "that I DON’T HAVE THE EQUIVALENT DEPOSIT OF MY LOAN, THERE..."

That may be true in your case, but it certainly hasn't been in mine.

I have taken out loans and immediately deposited the proceeds back into new or existing accounts at that very same bank.

Could each and every customer do that at a given bank at the same time? No, of course not. The bank would find itself in violation of capital requirements and, for that matter, insolvent.

By the way...you need to brush up on your comma usage too.