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Ba Ria Vung Tau Travel on This reduces their risk of making bad loans because borrowers are members and are already known to the credit union. The two fundamental types of bank deposit are demand deposits and time deposits. Demand deposits can be withdrawn on demand, as their name implies. Checking accounts and other checkable deposits are the most common type of demanddeposit accounts, and though savings accounts sometimes theoretically require advance notice to withdraw funds, banks usually allow depositors to withdraw their money on demand. Checkable deposits are accounts against which a depositor can write checks, meaning that money on deposit can be demanded any time a check is presented for payment. Checkable deposits include traditional non-interest checking accounts, negotiable order of withdrawal (NOW) accounts, and super-NOW accounts. Checkable deposits have steadily decreased as a portion of bank funds. Ba Ria Vung Tau Travel 2016.