Depositors are individuals or entities that place money into a financial institution, such as a bank or credit union. They open accounts, like savings or checking accounts, to securely store their funds while earning interest or having easy access to their money. When depositors make a deposit, they trust the institution to safeguard their funds. In return, the financial institution may use these deposits to provide loans to other customers. This process helps facilitate the flow of money within the economy, benefiting both depositors and borrowers.