Is Zakat obligatory on bank deposits or investment certificates if their returns are used for necessities and no amount reaching the nisab remains from them?

The ruling on bank deposits and investment certificates, and the ruling on their Zakat (definition), has been detailed previously in fatwas numbered: 45557, 45580, 43817, and 43093. Zakat is obligatory on zakatable money if it reaches the nisab (definition) and a full year has passed over it, regardless of whether its profits are sufficient for needs or not. This is because Zakat is obligatory on the two currencies [gold and silver] and what is equivalent to them if they reach the nisab and a full year has passed over them, even if they are not invested.