Royal Monetary Authority (RMA) has overall authority over Banks and account holders. When RMA feels a heightend sense for responsibility for the money of account holders, it issues order to the effect that Banks cannot withhold depositors' money. And when it wants to display magnanimity to Banks, it issues orders to freeze certain amount of money from depositors accounts.
This time RMA has issued notification to the effect that account holders with cheque faciliy must maintain a minimum account balance of Nu:1000:00. This means the Banks can use that much amount from each account with the bank without having to account for it physically.
There has to be thousands of account holders because most salaries are paid into Bank accounts. Out of many thousands, probably a bank would have minimum 10000 account holders with cheque facility. And under RMA new order, a Bank would have access to free fund of one crore/ ten million ngultrums to do as it prefers. A good bonus to fellow Financial Institutions from their Supreme Regulator.
Banks levy a fee on every cheque book they issue. Further Banks like BOB and Druk PNB levy annual maintenence fee on every account. And now these banks can keep 1000 of customer cash. It is one kind of a formula of rich made richer by absolute authorities..