ME Bank and HSBC Australia were the fastest growing retail deposit takers in the 12 months to the end of June, according to end-of-financial year data published by the Australian Prudential Regulation Authority.The country's household deposits market expanded by A$48 billion or 5.7 per cent to $892 billion last year, with customer-owned institutions and non-major banks posting the biggest market share gains.While the major banks collectively attracted the lion's share of new deposits, only Westpac grew its retail deposit base faster than the system average.Westpac expanded its retail book by $13.4 billion or 6.8 per cent to $209.5 billion.NAB was next best among the majors growing its retail deposits by 5.5 per cent, while CBA (up 4.1 per cent) and ANZ (up 3.6 per cent) lost ground.Collectively, the majors hauled in $34 billion or 70 per cent of the fresh retail deposits entering the banking system last year.While these numbers indicate the oligopoly remains entrenched in Australian banking, it was the worst deposits performance by the quartet in more than a decade.The shift in deposit flows is the most tangible evidence available that the market is finally rebalancing a decade after the GFC delivered the majors a stranglehold over the liability side of the business. The official statistics show that ME boosted its deposit base drawn from household customers by $1.6 billion or 26.7 per cent to $7.6 billion over the financial year.ME has been a consistent price leader in the term and online savings markets for almost a decade, but is now reaping gains in market share that it found so elusive for many years.HSBC's Australian arm has emerged as the quiet achiever in retail banking.It grew its retail deposit base by $1.6 billion or 21.5 per cent over the year to $9.1 billion.The bank is now the ninth largest taker of household deposits behind the four major banks, Bendigo, Bank of Queensland, Suncorp and ING.HSBC is mining customer gains by offering highly differentiated deposit products, most notably its low fee "Everyday Global Transaction Account" that allows customers to house up to ten different currencies.The unique offering does not require account holders to meet a minimum monthly deposit hurdle and allows customers to access ATMs overseas without incurring transaction or currency conversion charges.Most, though not all, customer-owned banks posted strong market share gains in 2017/18. One of the biggest gainers was the Bank of Sydney, which cracked the $1 billion milestone after expanding its retail deposit book by $130 million or 16 per cent.This bank traditionally served the Lebanese and Greek communities in Sydney, Melbourne and Adelaide under its former moniker, Beirut Hellenic Bank.However, the bank has emerged as a price leader in segments of the term deposit market in the last two years, a move that appears to have broadened its customer base.Macquarie's renewed strategic focus on retail banking was reflected in its deposit-taking performance.The country's largest investment bank grew its household deposit base by almost 15 per cent to $7.9 billion.Most ADIs managed to grow retail deposits