Final answer:
Interest earned by an account would not cause a bank to debit a depositor's account, as it's an event that increases the account balance. A bank debit occurs for transactions that reduce funds, such as wiring funds, service charges, or checks marked NSF.
Step-by-step explanation:
The correct answer to the question, "Which one of the following would not cause a bank to debit a depositor's account?" is (a) Interest earned by the account.
Typically, when a depositor earns interest on their savings account, the bank credits the account, which increases the balance, rather than debiting it, which would decrease the balance.
Bank debits occur for various reasons, such as wiring of funds, bank service charges, or checks marked NSF (Non-Sufficient Funds), as all of these actions require a reduction in the account balance.
Banks view deposits as liabilities, as they owe these funds back to their customers. A checking account usually facilitates easy access to funds and may pay little to no interest, while a savings account typically pays some interest.
Both types of accounts, along with certificates of deposit, are a part of the bank's obligation to its customers. It's important to note the distinction between debits (reduce balance) and credits (increase balance) in a depositor's account to understand the impact of various transactions.