According to the warrant, the money was placed directly into a bag possessed by JW after the accountant removed it from his pockets. I think it likely the bank was very discrete. The cash may have been dispersed in a manager's office rather than in the main lobby. Then again, it's been reported that the transaction took place slightly before opening time. I know in fact, from personal experience, that a bank WILL allow a known, trusted client into the bank before official opening time. There is a circumstance under which it is very reasonable for the money to be in pockets. Manila envelope could attract attention leading a thief to suspect a large amount of cash was being carried. Pockets more discrete, IMO. The warrant doesn't state if JW entered the bank with the accountant or waited in the parking lot. I tend to think JW waited in the parking lot as he was not required to be present for the withdrawal. I believe the accountant may have gotten into the car with JW or vice versa and that is when the money was given to JW.