physically held.. prolly not too huge i generally dont withdraw all my money and hold it.. i have direct deposit from my job to my bank.. put everything on a rewards credit card pay it in full every month to build credit.. but i do transfer thousands of dollars on any given day.. i trade in the stock market.. so at any given time i could make or loose houndreds or more likely thousands of dollars
oh but to answer i guess about 10k of my own money is the most ive held