Banks can use deposits from customers to reduce the risk of not having enough money on hand to cover loans. When banks have a lot of unused loan commitments, their stock prices can become more volatile. However, banks with high levels of transactions deposits are less affected by this volatility. This deposit-lending strategy is especially helpful during times when there is not much money available in the market, as nervous investors tend to put more money into their banks. This study challenges the idea that bank runs from depositors are the main source of trouble for banks.