Abstract. Banking institutions have a role as supporting the economic life of a country and improve the living standards of the people and has the function of a financial intermediary (financial intermediary), which serves to raise and distribute funds to the community. Law No. 10 of 1998 on Banking there is a discussion about responsibility and legal protection of customers for deposits for the actions of bank employees. In raising these funds, customer trust Mega-Banks to deposit funds in the form of transaction deposits. In practice, YA as employees of a Mega Bank did not record such transactions to the banking system officially. As a result the customer can not dilute the deposit slip. Based on this, the problem in this research is formulated as follows: (1) How is the responsibility of the bank to the savings deposits of which are not recorded according to Law No. 10 of 1998 on Banking? (2) How legal protection for the customers of the savings deposits of which are not recorded according to Law No. 10 of 1998 on Banking?. Researchers using the method of approach used in this research is normative juridical, namely the methods of researching and studying the material-primary legal materials and secondary legal materials. As well as a descriptive analysis, which describes the laws and regulations that apply associated with the theories of law in the implementation of practices on the issue under study. The results of this study (1) the responsibility of the bank on transactions deposits time deposits which are not recorded that according to article 1365 of the civil Code, namely the employees of the bank have committed acts against the law and is obliged to replace the loss amounted to a loss of the customer arising out of his guilt. (2) The legal protection that can be received by the customer of the bank in terms of transaction deposits time deposits which are not recorded in the banking system is authorized by the employee of Bank Mega. Then the customer is entitled to get legal protection directly regulated in Article 29 paragraph (3) of the Banking Act that the bank is obliged to travel a ways that are not detrimental to the bank and the interests of the clients who entrust their funds to the bank. As well as the protection is not directly according to Article 29, paragraph 2 of Law No. 10 of 1998 on Banking which gives legal protection to depositors in the form of the implementation of the principle of prudence, as well as financial institutions are required to keep the security deposit. Abstrak. Lembaga perbankan mempunyai peran sebagai menunjang kehidupan ekonomi suatu negara serta meningkatkan taraf hidup masyarakat dan mempunyai fungsi financial intermediary (lembaga perantara keuangan) yang berfungsi menghimpun dan menyalurkan dana kepada masyarakat. Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan terdapat pembahasan tentang tanggung jawab serta perlindungan hukum nasabah mengenai simpanan atas tindakan pegawai bank. Dalam melakukan penghimpunan dana tersebut, nasabah mempercayai Bank Mega untuk menyimpan dana dalam bentuk transaksi deposito berjangka. Pada praktiknya, YA selaku pegawai Bank Mega tidak melakukan pencatatan transaksi tersebut kepada sistem perbankan secara resmi. Akibatnya nasabah tidak dapat mencairkan bilyet deposito. Berdasarkan hal tersebut, maka permasalahan dalam penelitian ini dirumuskan sebagai berikut: (1) Bagaimana tanggung jawab bank terhadap simpanan deposito berjangka yang tidak tercatat menurut Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan? (2) Bagaimana perlindungan hukum bagi nasabah terhadap simpanan deposito berjangka yang tidak tercatat menurut Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan?. Peneliti menggunakan metode pendekatan yang digunakan dalam penelitian ini adalah yuridis normative, yaitu metode yang meneliti dan mempelajari bahan-bahan hukum primer dan bahan hukum sekunder. Serta deskriptif analisis, yaitu menggambarkan peraturan perundang-undangan yang berlaku yang dikaitkan dengan teori-teori hukum dalam pelaksanaan praktik pada masalah yang diteliti. Hasil dari penelitian ini (1) Tanggung jawab bank atas transaksi simpanan deposito berjangka yang tidak tercatat yaitu menurut pasal 1365 KUHPerdata yaitu pegawai bank tersebut telah melakukan perbuatan melawan hukum dan wajib untuk mengganti kerugian sebesar kerugian nasabah yang timbul dari kesalahannya. (2) Perlindungan hukum yang dapat diterima nasabah bank dalam hal transaksi simpanan deposito berjangka yang tidak tercatat dalam sistem perbankan secara resmi oleh pegawai Bank Mega. Maka nasabah berhak mendapatkan perlindungan hukum langsung yang diatur pada Pasal 29 ayat (3) Undang-Undang Perbankan bahwa bank wajib menempuh cara-cara yang tidak merugikan bank dan kepentingan nasabah yang mempercayakan dananya kepada bank. Serta pelindungan tidak langsung menurut Pasal 29 ayat 2 Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan yaitu memberikan perlindungan hukum pelaksanaan prinsip kehati-hatian, serta lembaga keuangan wajib menjaga keamanan simpanan.