You can not compare a char string with an element enclosed in single quotes, that is
menu == 'deposito' // deveria ser:
menu == "deposito"
Here is your complete code, I changed the printf to elements of the iostream library since you said the code is c ++ and they are easier to use and understand.
#include <iostream>
std::string nome, menu;
float saldo, valor;
main()
{
std::cout << "Digite seu nome: \n";
std::cin >> nome;
std::cout << "Digite o saldo: \n";
std::cin >> saldo;
std::cout << "Digite o valor: \n";
std::cin >> valor;
std::cout << "Digite uma das opcoes (saldo/deposito/retirada):\n";
std::cin >> menu;
if (menu == 'deposito') {
saldo = saldo + valor;
printf("O saldo mais o valor depositado e igual a: %.2f\n", saldo);
}
else if (menu == 'retirada') {
saldo = saldo - valor;
printf("O saldo menos o valor depositado e igual a: %.2f\n", saldo);
}
else if (menu == 'saldo') {
printf("O saldo e igual a: %.2f\n", saldo);
}
else {
printf("Erro");
}
}