well if its cash then the buying value is the buying value. Take it out or leave it in, as long as it’s not more than the insured deposit value you’re fine (Personally, I avoid unnecessary insurers, they’re evil) but after that limit you’re screwed. Did you know the delay in depositing a cheque for more than a certain amount ( lets say a 5k cheque) the bank will let you access, say 1.5k, then they have to clear the cheque over 5-10 days. that’s bullshit. Thet know if the cheque is legit immediatley but they keep your $ for days for their own purpose and theyll never give you any of that profit.