Any financial institution that accepts deposits. Depository institutions include government-sponsored credit unions.
U.S. depository institutions include:
U.S. government-sponsored credit unions, U.S. commercial banks (national banks, state- chartered commercial banks, trust companies that perform commercial banking business), U.S. branches and agencies of foreign banks, U.S. industrial banks, and banking Edge Act and Agreement Corporations, building or savings and loan associations, homestead associations, cooperative banks, non-bank banks, credit unions, and mutual or stock savings banks.”