Final answer:
Among the options provided, finance companies do not take deposits, whereas commercial banks, savings and loan associations, and credit unions do accept deposits from individuals and businesses.
Step-by-step explanation:
The entity among the choices given that does not take deposits is finance companies. Commercial banks, savings and loan associations (also known as thrifts or savings institutions), and credit unions all accept deposits. Commercial banks and savings institutions have been taking deposits and making loans for a variety of purposes, while credit unions are nonprofit institutions that accept deposits from their members and focus on providing loans back to their members.