Personal noticedeposit is specifically designed for the valued clients like you with a large sum of short-term deposit.
个人通知存款是为了满足像您这样的有短期大宗存款的优质客户而设置的一种储蓄种类。
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Notice that the St. Louis memo tiptoes around the question of telling a depositor that he has a demand deposit while telling the rest of the country that he has a time deposit.
A time deposit is money given to a (banking) institution that earns interest but cannot be withdrawn except after giving notice for a defined period of time (usually 90 days).