# About deposits
This guide explains how to configure and manage the [term deposits](#user-content-fn-1)[^1] products, create and manage deposit applications, offers and contracts.
In general, the deposit lifecycle includes the following:
In this guide you will find the steps how to create and manage each of step of the deposit lifecycle:
{% hint style="info" %}
Note that the deposit module is an optional part of the Tuum core banking functionality. You can create and manage deposits only when the deposit module is enabled for your organisation.
{% endhint %}
[^1]: A **term deposit** is a fixed-term investment where money is deposited into an account for a certain period of time and interest is earned on the deposit.
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