Term deposit is the money paid-in the bank with the certain term, whereas interest rate is fixed. During the contractual period the initial capital cannot be increased.
Usually the interest rate on this product is higher comparing to other deposits. Besides, the longer the term larger is the interest rate you get. If initial capital is withdrawn before the agreed date, customer gets smaller interest.
Cumulative deposit is a term deposit, opened for a certain period of time with the fixed interest rate. Owner of the cumulative deposit, pays-in the additional money on top of the initial deposit amount. In some cases, the bank determines the minimum amount and the frequency of additional payments.
Call Deposit is an indefinite term deposit that banks pay interest on. Frequency of transactions is unlimited on saving account. Generally, banks pay lower interests on call deposits comparing to other types of deposits.