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TeachMeFinance.com - explain savings liability savings liability -- the total amount of savings deposits entrusted to a depository institution by its depositors. It is the total amount of all savings account balances held by an institution, including earnings credited to such accounts, less redemptions and withdrawals. Copyright © 2005 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.