Explanation:

- Non-chequeable deposits are those where one cannot use cheques to withdraw money.

- Option 1: These are deposits against which no cheque can be drawn at any time. This is true, as non-chequeable accounts do not allow cheque usage.

- Option 2: Against which no money can be withdrawn. This is incorrect. Money can be withdrawn, but not by cheque; other methods such as withdrawal slips or at maturity are possible.

- Option 3: Fixed deposits — These are typically non-chequeable, as you cannot use cheques to access them.

- Option 4: All of these. This option claims all statements are correct, but since option 2 is incorrect, this answer is not right.

The correct answer is:

- Option 1: Against which no cheque can be drawn at any time.