11. Banks have demand deposits in the nature of loans to the bank and investment deposits. 12. And until July 2011, Regulation Q stated that a demand deposit could not pay interest. 13. M1 growth slowed as " demand deposits " fell. 14. M3 consists of cash in circulation, demand deposits , short-term time deposits and most savings deposits. 15. The wild-cat is now represented by demand deposits . 16. The money supply of a country is usually held to consist of currency plus demand deposits . 17. A demand deposit -- the plain vanilla of bank accounts-- offers 0.1 percent interest, an historic low. 18. Savings accounts are priced at 2 %-3 % while demand deposits or current accounts have no interest. 19. Beginning July 21, 2011, financial institutions have been allowed, but not required, to offer interest-bearing demand deposits . 20. Banks typically make loans to customers by crediting new demand deposits to the account of the customer.
