When you first want to deposit money into the bank, what do you need to open?

To deposit money into a bank, the primary requirement is to open an account. A bank account serves as a secure place for your funds, enabling you to deposit cash, withdraw money, and carry out various transactions. This account is the foundational step for any banking activities, including savings, checking, and investment purposes.

Having an account is crucial because it provides a unique identifier linked to your personal financial activities with the bank. This allows you to manage your finances effectively and to track your deposits and withdrawals. The other choices do not fulfill the requirement for making a deposit: a credit refers to borrowing capacity, a certificate could be a document but not a prerequisite for deposit activities, and a savings bond is an investment product rather than a banking service needed to open an account.