If Conditions are met, Type or ref: info or Cell

In Cell B6 the following statement was inputted:

=IF(F6="Interest Payment",F6,0)

F6 contains "INTEREST PAYMENT" but would like to combine a second if/or statement:

=IF(H6>0,"Deposit",0)

Also would like to have "Interest Payment" initial cap instead of the shouting contained in F6

The purpose is it will either type "interest payment" or "deposit" based on conditions.

Thank you in advance

L