<Ul> <Li> Savings account </Li> </Ul> <Dl> <Dd> Accounts maintained by retail banks that pay interest but cannot be used directly as money (for example, by writing a cheque or using a debit card at a point of sale), although cash can be withdrawn from these accounts at an automated teller machine . While they are not as convenient to use as checking accounts, these accounts generally offer consumers a higher rate of interest than a transactional account and will usually be linked to a transactional account . </Dd> </Dl> <Dd> Accounts maintained by retail banks that pay interest but cannot be used directly as money (for example, by writing a cheque or using a debit card at a point of sale), although cash can be withdrawn from these accounts at an automated teller machine . While they are not as convenient to use as checking accounts, these accounts generally offer consumers a higher rate of interest than a transactional account and will usually be linked to a transactional account . </Dd> <Ul> <Li> Time deposit, also known as a certificate of deposit in the United States </Li> </Ul>

When a customer opens a deposit account with the bank what is the status of the bank