Bank deposits, whether in the form of checking, savings or time are? O Debts (IOUs or financial liabilities) held and used by depository banks and are a form of electronic accounting. This makes the total number of issuances physically constrained. O Reserves of the bank. O Credits (financial assets) held and used by depository banks and are a form of electronic accounting. This makes the total number of issuances physically constrained. O Debts (IOUs or financial liabilities) issued by depository banks and are a form of electronic accounting. This means there is no physical constraint to the number of issuances