The most traditional form of bank financing is bank deposits, both at call and fixed deposits.

银行筹资最传统的形式是银行存款，包括活期存款和定期存款。

youdao

From a corner pay-call, you pick up the phone, listen for a dial tone (a buzzing sound), deposits a coin or COINS (depending on the cost in the area) and then dial the number.

在街角的付费电话亭，你拿起电话，听到拨号声音(嗡嗡声)，投入硬币(数量视地区而定)，然后拨号。

youdao

Austrian economists call these deposits uncovered money substitutes.

FORBES: Cyprus, Anything But Unique and Why to Worry

They can still grow organically, but if their share of domestic deposits rises much above 10% they may come under pressure to call a halt.

ECONOMIST: Winners and losers

Thus the bank is holding only a fraction of deposits in reserves and is lending out the rest: fractional reserve banking which is what we call the system.

FORBES: What Caused The Great Financial Crash: Gary Gorton Is Right