dipòsits

A deposit, in a financial context, refers to money placed into a bank account or with another financial institution. This act of depositing funds increases the balance of the account. Deposits can be made in various forms, including cash, checks, money orders, or electronic transfers. Banks accept deposits to hold customer funds, which they can then use for lending and other financial operations. The depositor retains ownership of the funds, and the bank acts as a custodian. Deposit accounts are typically insured by government agencies up to a certain limit, providing a level of security to the depositor. Common types of deposit accounts include checking accounts, savings accounts, and certificates of deposit (CDs). Each type offers different features regarding accessibility, interest rates, and withdrawal restrictions. The process of depositing money is fundamental to the functioning of the modern financial system, enabling individuals and businesses to save, transact, and manage their wealth.