How are interest payments on a deposit accrued and paid?

Interest on the amount of a bank deposit is accrued from the day following the day the deposit agreement is opened through the day of return to the depositor, inclusive. When opening a deposit, the client chooses the method of interest payment: monthly to a separate account without capitalization or added to the deposit amount, with capitalization. Interest added to the deposit amount may be used by the client on any day during the deposit term.