When a check written against an account at a particular bank is cleared:

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When a check is cleared, the demand deposit (which is part of the bank's reserves) is reduced. This means that the bank loses reserves and demand deposits. No currency or savings deposits are lost or gained in this process. Loans are not related to the clearing of a check, so they are not gained or lost. While the bank may gain additional reserves from other sources (such as deposits from other customers), the clearing of a check in and of itself does not result in any additional reserves being gained.

When a Check Written Against an Account at a Particular