1. Different deposit objects: Agreement deposits: There are no fixed object requirements, and deposits can be made as long as the bank's deposit conditions are met; Agreement deposits: Mainly for funds with special properties, such as insurance funds, social security funds, pension insurance funds, etc.

2. The deposit terms are different: agreement deposits: the deposit terms are relatively short, no more than one year; agreement deposits: the deposit terms are relatively long, and the deposit terms are all in years.