The difference between Instant Access, Notice Deposit and Fixed Term Deposit accounts is how quickly you can access your money and how long you choose to save.
An Instant Access account lets you move funds in and out when needed.
A Notice Deposit account requires you to place notice and wait for the notice period before funds are released.
A Fixed Term Deposit account is usually held for a fixed term until the maturity date, and early access may be limited or subject to penalties.