存款是指一笔放在银行的金额，而银行通常会以存款的数量派发利息。存款是资产的一种。

存款可分为三大类：

• 往来存款：通常是配合支票使用，通常没有利息，部份有透支安排
• 活期存款：可以随时存入及提取，利息较低
• 定期存款：必须存入指定时间，期间不得提取，利息较高

Saving accounts (UK: savings accounts) are accounts maintained by retail financial institutions that pay interest but cannot be used directly as money in the narrow sense of a medium of exchange (for example, by writing a cheque). These accounts let customers set aside a portion of their liquid assets while earning a monetary return. For the bank, money in a savings account may not be callable immediately and, in some jurisdictions, does not incur a reserve requirement. Cash in the bank's vaults may thus be used, for example, to fund interest-paying loans.