bank loans do not come from deposits. I don't why this myth is so persistent. http://en.wikipedia.org/wiki/Fractional-reserve_banking#Mone...

Bank loans (among other things) certainly do come from deposits. In fact, it says so right on the page you linked:

"Banks borrow funds from their depositors (those with savings) and in turn lend those funds to the banks’ borrowers (those in need of funds)."

you're quoting something that the federal reserve puts out as an explanation of FRB. it is clear from the rest of that paragraph that they are speaking in loose terms meant to make things simple.

read the paragraph on checkbook money. loans create money.

If the bank only lets you withdraw at certain times then yes, they could loan out your money during times you have agreed to. But no loans could be made from a savings account in its current form with a 100% reserve requirement.