There are 12 Federal Reserve Banks in the United States. They are located in Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas, and San Francisco. Local banks order money from the Federal Reserve Bank when they need it. Demand for money increases at certain times of the year. For example, in November and December, when people are using cash for holiday shopping, local banks order "extra" money from the Federal Reserve Bank.