Full-reserve banking (also known as 100% reserve banking, or sovereign money system) is a system of banking where banks do not lend demand deposits and instead only lend from time deposits.

Several procedures in this manual require you to locate what is known as the “bankfull channel edge,” or more simply as “bankfull.” This is an important concept in understanding the workings of a stream. HOW DOES A “BANKFULL” GET CREATED?

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BANKFULL ELEVATION is the elevation at which water has filled the principal channel and just begins to flow onto the floodplain. BANKFULL DISCHARGE is considered to be the channel forming or effective flow. Over time it performs the most work, transporting the most sediment, moving bedload as well as suspended sediment.

A. Bank slope: In stream channels with natural riparian areas and a low, flat floodplain, the bankfull edge is located at the edge of this plain. The most consistent indicators of bankfull flow are these areas of deposition; the tops of marginal deposits define the active floodplain. Active floodplains are formed

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Bankfull Flow and Ordinary High Water Mark (OHWM): What’s the Difference and Why Does it Matter for Off-Channel Habitat? Chris Mendoza, Conservation Caucus. Off-channel habitat (OCH) defined by WAC (222-16-010) and DNR Board Manual Guidance (Sections 2 and 8). For tidal water – line of mean high tide.

Bankfull flow is significant because it is the dominant discharge in sand- and gravel-bed rivers (the discharge that transports the most sediment in the long term) (Wolman and Miller 1960; Andrews and Nankervis 1995; Emmett and Wolman 2001).

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