Just to be clear, since Nyr gave an example of a rich person, let me know if my example of Generic Noob Amos is wrong:
Amos has no account at all. He shows up from the HoK with 1035 sids. After buying his weapon and gorget and mount, he has 450 sids left. To prevent against noob-theft, he deposits 350 in the bank. His balance is now 350, no fees.
The next day, a noob elf, Malik, tries to elf Amos. But Amos, being Amos, picked warrior-thug, and the elf was a 2-hour merchant/outdoorsman. Amos PKed Malik and now has another 1000 sids, 10 shards of flint, and a small piece of diamond. He deposits 800.
His new balance: 1150, no fees.
He can keep withdrawing and depositing, with no fees, as long as his balance doesn't reach 2000.
Correct?