ipgeumi ajik an dwaeseo eunhaenge jeonhwahaesseoyo.

Because 입금이 안 되다 is a very common Korean pattern.

Here, 입금 is treated as the subject of the state/process:

• 입금이 안 되다 = the deposit doesn’t go through / the deposit isn’t processed

If you said 입금을 안 하다, that would mean to not make a deposit or to not deposit money. That focuses on someone’s action.

So:

• 입금이 아직 안 돼서 = because the deposit still hasn’t gone through
• 입금을 아직 안 해서 = because I still haven’t made the deposit

Those mean different things.

In this sentence, 안 되다 does not literally mean only to not become. It has a broader, very common meaning:

• to not work
• to not be processed
• to not go through

So 입금이 안 되다 means:

• the deposit didn’t go through
• the deposit wasn’t processed properly
• the transfer hasn’t been completed

This is a very natural Korean way to talk about things like payments, deposits, reservations, registration, internet access, and other processes.

Examples:

• 결제가 안 돼요. = The payment won’t go through.
• 로그인이 안 돼요. = I can’t log in.
• 예약이 안 됐어요. = The reservation didn’t go through.

아직 means still or yet.

With a negative expression, it usually means not yet or still not.

So:

• 입금이 안 돼서 = because the deposit didn’t go through
• 입금이 아직 안 돼서 = because the deposit still hasn’t gone through / because the deposit hasn’t gone through yet

It adds the idea that the speaker expected it to be completed by now, but it isn’t.

안 and 못 are both negatives, but they are used differently.

• 안 = simple negation: not
• 못 = cannot, unable to

Here, 입금이 안 되다 is the normal expression. It means the deposit has not gone through.

Using 못 되다 here would sound unnatural. For this kind of processed-result expression, Korean usually uses 안 되다, not 못 되다.

Compare:

• 결제가 안 돼요. = The payment won’t go through.
• 입금이 안 됐어요. = The deposit didn’t go through.

So this is something you should learn as a set phrase.

-아서/어서 connects two clauses. In this sentence, it gives a reason or cause.

So:

• 입금이 아직 안 돼서 은행에 전화했어요.
• = Because the deposit still hadn’t gone through, I called the bank.

It can often be translated as:

• because
• so
• since

Here, the first clause explains why the speaker called the bank.

돼서 is the contracted form of 되어서.

The verb is 되다:

• 되다 + 어서 → 되어서
• 되어서 → 돼서

This contraction is extremely common and natural.

So these are the same in meaning:

• 입금이 아직 안 되어서
• 입금이 아직 안 돼서

But 안 돼서 is much more natural in everyday Korean.

Also, the spacing matters:

• 안 돼서 = correct
• 안되서 = nonstandard spelling

Korean often marks tense mainly on the final verb of the sentence.

So in:

• 입금이 아직 안 돼서 은행에 전화했어요

the past tense is shown by 전화했어요 = called.

The first clause does not need past marking because the time relationship is already clear from context. Korean does this very often.

A more literal English-minded learner might expect both clauses to show past, but Korean usually does not need that.

So this is natural:

• 비가 와서 집에 있었어요. = It rained, so I stayed home.
• 돈이 없어서 못 갔어요. = I had no money, so I couldn’t go.

With 전화하다, Korean commonly uses 에 to mark the place, institution, or person being called.

So:

• 은행에 전화했어요 = I called the bank

You can think of 에 here as marking the target of the phone call.

More examples:

• 회사에 전화했어요. = I called the company.
• 병원에 전화했어요. = I called the hospital.
• 친구한테 전화했어요. = I called my friend.

For a person, 한테 or 에게 is also common. For a place or organization, 에 is very natural.

Yes. Korean often leaves out the subject when it is obvious from context.

In:

• 입금이 아직 안 돼서 은행에 전화했어요

the speaker is understood to be the one who called:

• (저는) 입금이 아직 안 돼서 은행에 전화했어요.

So the omitted subject is usually:

• I

Depending on context, it could also be we, but I is the default reading here.

No, not necessarily.

This sentence means that the deposit has not gone through / has not been processed yet.

That is different from saying I haven’t deposited the money yet.

Compare:

• 입금이 아직 안 됐어요.
  = The deposit hasn’t gone through yet.

• 아직 입금을 안 했어요.
  = I haven’t made the deposit yet.

This is an important difference:

• 입금이 안 되다 focuses on the result/process
• 입금을 안 하다 focuses on the person’s action

Yes, 전화했어요 is standard polite Korean and sounds completely natural.

A few possible variations are:

• 전화했어요 = polite, natural
• 전화를 했어요 = same meaning, slightly more explicit
• 전화했습니다 = more formal
• 전화드렸어요 = humble, often used when calling someone you want to show respect to

In this sentence, 은행에 전화했어요 is a very normal everyday way to say I called the bank.

A close breakdown is:

• 입금이 = the deposit
• 아직 = still / yet
• 안 돼서 = not being done / not going through, so / because
• 은행에 = to the bank
• 전화했어요 = called

So the structure is basically:

[The deposit] [still] [not going through, so] [to the bank] [I called].

That sounds awkward in English, but it helps show how Korean builds the sentence. The natural English meaning is:

Because the deposit still hadn’t gone through, I called the bank.