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A strain is tearing or damage to a:
Required Reserves
Funds that banks must hold in reserve and cannot lend out, either as cash in their vaults or as deposits with a central bank.
Excess Reserves
Excess reserves are the funds that banks hold over and above the required reserve ratio set by the central bank, representing additional liquidity that can be used for lending.
Checkable Deposits
Bank accounts against which checks can be drawn. These include checking accounts, demand deposits, and any other deposit accounts from which checks can be written.
Discount Rate
The interest rate charged to commercial banks and other depository institutions on loans they receive from their regional Federal Reserve Bank's lending facility.
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