The bank deposits are what the underwriters look at and it doesn’t matter what withdrawals the borrower makes. This means that any small or large withdrawals are not needed to be explained at all. There are some automatic withdrawals that are observed such as monthly rent or other bills to ensure that the borrower can make their payments on time. Other important things to bear in mind are any canceled checkers or other payments that require clearance which the underwriter may require further information for.