Which best explains what happens to the money that a consumer deposits into a bank account?

the bank saves some of the money for independent loans and pays some to the federal reserve.
the bank pools the money with other district banks allowing the consumer quick and convenient access to funds.
the bank pays interest to the consumer and safely keeps all the money in the bank's vault until the consumer needs it.
the bank reserves part of the money and uses the rest to make loans to other consumers who need them.