Depository institutions are required to and although the general terms used to describe these financial products may vary across the various types of institutions. non-depository institutions, in contrast, accept cash contributions from their customers, but the cash inflows are not called instead, they're called shares or premiums. depository institutions include: 1) commercial banks, savings banks, savings and loan associations (thrifts), and credit unions 2) mutual funds, insurance companies, brokerage firms, and financial services companies