Abstract: The method of the preferred embodiments provides a loan made to an individual into an account at the lending bank, under contract that the owner of the deposit account will leave the principal amount in the account at the lending bank unless authorized to do otherwise by the lending bank. The money of the principal amount of the loan is transferred and stored either on the non-transitory computer readable medium of the servers used by the lending bank institution, or in physical monetary or value holding instruments held by the lending bank. The principal amount does not leave the possession or accounts of the lending bank. The loan is additionally required under contract to have interest paid by the owner of the deposit account for the loan term. The method is intended to allow the owner of the deposit account to report greater liquidity in the name of the owner of the deposit account.