There is also something in place now that I'm not sure if many people know about.
They encourage congregations to keep any excess funds on deposit with the branch. They call it "Funds On Deposit". Our congregation has several thousand dollars on deposit with the branch. We only keep about 2-3k in our checking account.
The arrangement is to let them hold and use the money until if/when we need it in the future. So basically it is a no-interest loan.
That makes you wonder how many congregations have how many thousands "On Deposit" with the branches around the world?