AMP Bank has joined the growing number of deposit-taking institutions offering notice accounts. Its new deposit product offers savers a premium over its at-call rate but they must give 31 days' notice before withdrawing funds.RaboDirect and Westpac have both launched notice accounts this year, and Investec Bank Australia has had one in the market since 2011.Notice accounts combine the features of at-call accounts and term deposits. Customers can make regular deposits and the account has no maturity date. When depositors want to get their money out they must give notice, however. The standard notice period is 31 days, but RaboDirect and Westpac offer a choice of notice periods, including 60 and 90 days.The account remains open after funds are withdrawnNotice account rates are variable but tend to be higher than at-call rates. AMP Bank has set a rate of 3.75 per cent for its AMP Notice Account and has made a commitment that the rate will always be at least 100 basis points over the cash rate.The bank is also offering a four-month introductory rate, of 3.7 per cent, on its at-call account, AMP Online Savings, which then reverts to a base rate of 3.45 per cent.Its 60-day term deposit rate is four per cent.AMP Bank's chief operating officer, Rob Slocombe, said the account would suit household savers and small wholesale depositors who could project forward their withdrawal needs. Slocombe said funds in the account would help the bank with its liquidity management, and it was paying a premium over at-call rates for that benefit.Slocombe said the bank had considered offering longer-dated notice periods, which usually have higher rates, but dropped the idea after doing consumer research."Customers told us that 31 days was a manageable horizon, but 60 days and beyond did not resonate," he said.