Help out a newbie: How to identify an account that needs memo before depositing

[NdaMk]

As a newbie reading on how to deposit coins to a binance account. First the identification of the deposit address and the type of network, if it is a multiple network wallet. Then a memo address is said to be required. A memo which is said to be an extral address needed to identify a recipients account during transaction other than its wallet address. I studied that a memo is only needed to credit a public wallet and not a private wallet.

My question is how can i actually identify whether the wallet is either public or private?

And how can i generate/create my own memo when receiving funds?