A corporate deposit is an interest-bearing deposit bank product offered to corporate banking customers by banks and accredited financial institutions. Corporate deposit target customers can include large commercial companies, public institutions, government agencies and large non-profits. It contrasts to retail deposits which are held by consumers and business deposits that are held by SMEs. Corporate banking clients may use this type of product as a cash management solution when managing the optimal mix of liquidity and returns of surplus funds as it may provide an investment stream.