Several of the big banks have seen deposits in non-interest-bearing accounts up sharply recently, indicating that safety is still far more prominent in many investors' minds than returns. But with the fiscal cliff behind us and interest rates remaining low, is this a trend that is going to continue?

In this video, Motley Fool financial analysts David Hanson and Matt Koppenheffer discuss why it will be a great sign for our economy if these deposits start to decrease, and a worrying sign if they don't.