They simply might not have it in the branch. A lot of branches would have to put in a special order for that much cash. Of course it depends on where you are and what kind of flow the branch usually has.
The branch will probably counsel you to either use a bank check or wire the money to the destination. The number of idiot old people who withdraw their savings to give to a scammer is huge. And their families always blame the bank for not protecting them. It’s a no-win situation.
I should have stated it clearly.
I put $30,000 in the bank, and then (not instantly but a week later) go to withdraw $100.
You say it’s the law, they have to pay. If they don’’t, the bank can be closed. In which case I don’t get the $100.
You say the bank president and board can be jailed. In which case I don’t get my $100.
I assume your next recommendation would be the FDIC. Some banks have been very quietly dropping the FDIC coverage.
What recourse does one have then ?