Total Deposits is a term included in the balance sheet of a bank. To a common person, the word deposit most often implies the act of placing your money in the safety of a bank. When calculating the Total Deposits from a bank’s perspective, various kinds of deposits are taken into consideration. These are added together to determine the Total Deposits. Demands Deposits, Term Deposits, and Interest and Non-Interest bearing deposits are the cumulative examples of deposit items that are summed to get the value of Total Deposits.