Talk:Demand deposit
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[edit] Money supply
Suppose it is the year 1900. If a bank does not offer checking but does take in deposits and pays interest to customers, and provides customers their money on demand in the form of cash, are those deposits part of the money supply? Because this sentence suggests they are not. "Demand deposits are usually considered part of the money supply, as they can be used, via checks and drafts, as a means of payment for goods and services and to settle debts. "
--Atheros1 (talk) 22:11, 18 November 2011 (UTC)
- Savings deposits are reported separately by financial institutions on the FR 2900 report and show up as M2 money supply rather than M1 money supply. 72Dino (talk) 22:26, 18 November 2011 (UTC)
- Thank you for the reply. That is the only difference between savings accounts and checking accounts? The fact that checking is not available on the savings account? And that is enough to move it to M2? --Atheros1 (talk) 07:59, 19 November 2011 (UTC)
- The two accounts are for very different purposes and subject to different regulations (e.g., Reg D). You may want to review the Transactional account, Savings account, and Money supply articles for more information. Demand deposits are part of both M1 and M2, so I think the sentence that you were asking about in this article is appropriate. 72Dino (talk) 14:31, 19 November 2011 (UTC)
