Deposit (finance)

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A deposit is the act of placing cash (or cash equivalent) with some entity, most commonly with a financial institution, such as a ngân hàng.

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The deposit is a credit for the buổi tiệc nhỏ (individual or organization) who placed it, and it may be taken back (withdrawn) in accordance with the terms agreed at time of deposit, transferred to lớn some other buổi tiệc nhỏ, or used for a purchase at a later date.

Deposits are usually the main source of funding for banks.

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Types[edit]

Demand deposit[edit]

A demand deposit is a deposit that can be withdrawn or otherwise debited on short notice. Transaction accounts (known as "checking" or "current" accounts depending on the country) can be used to lớn pay other parties, while savings accounts are typically payable only to lớn the depositor or another ngân hàng trương mục, and may have limits on the frequency of withdrawal.

Time deposit[edit]

Deposits which are kept for any specific time period are called time deposit or often as term deposit.

Term deposit (or time deposit), bear a fixed time and fixed interest rate^[1]
- Fixed deposit in India ^[2]
- Certificate of deposit in the U.S. and Canada
Overnight lending occurs usually from noon to lớn noon, using a special rate to lớn give as security or in part payment.

Special deposit[edit]

Normally any money deposited to lớn a ngân hàng becomes property of the ngân hàng, for which it is liable to lớn return the same monetary value, but not the same money. This the foundation of fractional-reserve banking, since the ngân hàng can lend out the money that it owns while owing an obligation to lớn the depositor. A special deposit is one made under an agreement to lớn hold the deposit separately from the bank's assets, ví that the same assets can be returned. Items placed in a safe deposit box are examples of special deposits.