Hello,
Dont know how it was in F2 but the money in the bank and held in hand should be available to transfer (ie deposit),while in the dialog. Preventing some thieves to steal it. Plus its more natural that you have cash in your hands giving it to the banker! Its like the banker took them from your pockets

. Also I think it should work with vendors, sometimes I carry a lot of cash and barter and thieves are like FLIES in NCR