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These include (explicit) deposit insurance, which ensure up to some limit that banks' depositors do not lose their money in the event of bank default, and (implicit) government guarantees stemming from the perception that some banks are too big for the government to allow to default.
Deposit insurance - unless it is charged at a rate that reflects accurately the probability of default of the bank - may give banks an incentive to take on more risks and substitute equity funding with other types of funding.
In addition, if deposit insurance is underpriced, then deposit funding would be cheaper from a bank's perspective, all else equal.
This is because deposit insurance lowers the rate of return banks must pay to attract deposits.
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