A deposit account that is held by a depositors such as corporations, foreign banks and bank corporate customers other than individuals; an example is money market. This account pays a fixed amount for a period of time and it requires advance notice before money can be withdrawn from it. Advance notice has to be issued in order not to incur an early withdrawal penalty. It is not subject to Federal Reserve regulations D. Banks who have non-personal time deposit must regularly disclose the balance of this account to their regional Federal Reserves.