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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. About the author Mark McCracken Author: Mark McCracken is a corporate trainer and author living in Higashi Osaka, Japan. He is the author of thousands of online articles as well as the Business English textbook, "25 Business Skills in English". 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.