Which of the Following Is True About Banks in a Fractional

Which of the following is true about banks in a fractional reserve banking system?

A) Banks are able to create money when excess reserves are lent to individuals who need to borrow money.
B) Banks can lend all of the deposits that are received.
C) Banks must purchase gold that equals the value of the deposits received.
D) Banks must deposit all cash from depositors with the Federal Reserve.
E) Banks have to deposit all cash from depositors in their own bank vault.