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賬戶的主要種類( 雙語(yǔ))
There are two main types of bank account in a bank： current accounts and deposit accounts.
銀行賬戶主要有兩種類型：往來(lái)賬戶和存款賬戶。
A current account allows you to use a cheque book，but your money doesn't earn interest. There are bank charges for current accounts， but if your account remains in credit you need to pay no charges at all. You must keep a certain amount in credit in your current account to avoid charges. This amount changes from time to time.
往來(lái)賬戶的客戶可以使用支票，但銀行不付利息；也有的銀行對(duì)往來(lái)賬戶收取手續(xù)費(fèi)，但對(duì)有貸方余額的賬戶是不收費(fèi)的。因此，客戶要想避免支付手續(xù)費(fèi)，就應(yīng)在往來(lái)賬戶上保持一定金額的貸方余額。這個(gè)金額往往會(huì)不斷變化。
A deposit account earns interest， but it doesn't allow you to use a cheque book. The rate of interest fluctuates. You can withdraw money from a deposit account by giving notice to the bank. This notice is usually seven days.
存款賬戶有利息，但客戶不能使用支票提款，利率是浮動(dòng)的?？蛻魪馁~戶上取款，要提前通知銀行，通知的時(shí)間一般為七天。
責(zé)任編輯：vivien
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