銀行賬戶的主要類型有哪些
銀行賬戶有兩種這主要類型，往來賬戶和存款賬戶。接下來本站小編爲大家整理了銀行賬戶的主要類型英文介紹，歡迎大家閱讀!
There are two main types of bank account in a bank: current accounts and deposit accounts. 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.
銀行賬戶主要有兩種類型：往來賬戶和存款賬戶。往來賬戶的客戶可以使用支票，但銀行不付利息;也有的銀行對往來賬戶收取手續費，但對有貸方餘額的賬戶是不收費的。因此，客戶要想避免支付手續費，就應在往來賬戶上保持一定金額的貸方餘額。這個金額往往會不斷變化。
銀行賬戶的主要類型一A current account (also called a cheque account) is a convenient and safe method of handling money. Your salary can go straight into your account, and these days more and more people are paid by direct credit instead of in cash. Direct credit means that your employer, or anyone else who wishes to pay you money, can pay the money straight out of their account into yours. Cheques, postal orders and money orders (including International Money Orders) can be paid direct to your account also.
往來賬戶(也叫支票賬戶)用於管理資金非常的方便，而且安全。你的薪金可以直接劃到你的賬戶上，最近，越來越多的客戶不用現金支付，而是直接入賬。直接入賬是指你的老闆，或任何其他人要付款給你，可以將貨幣直接從他的賬戶上支付到你的賬戶上。支票、郵局匯款單和匯票(包括國際匯票)也可以直接支付到你的賬戶上。
You can pay your bills by cheque in shops, hotels, airports, restaurants and other places (but not in taxes, for example). You can pay regular bills by direct debit from your account. These regular bills include insurance premiums, rent, rates and hire purchase installments. These regular bills must be for sums of money where the amount remains the same every month during a certain period.
客戶可以在商店、旅館、機場、飯店及其他地方(也有例外，如出租車)用支票支付賬單，也可以從你的賬戶上直接劃款，定期支付賬單。這些定期賬單必須用來支付貨幣總額，並可以在一段時期內，每個月支付相同的金額。
You can tell your bank, for example, to pay Monarch Insurance Co. £10 per month on the 21st of every month from now until further notice. The bank will pay this automatically, by banker's order (also called standing order) or direct debit. You don't have to post the cheque to Monarch Insurance Co.; you don't have to travel to their office.
例如，客戶可以要求銀行從現在起在每個月的21號，按月向摩納卡保險公司支付10美元，直到通知止付時爲止。該行可以用本票(也叫約期付款委託書)，或以直接貸記的方式自動支付這筆款項。這樣客戶就不用向摩納卡保險公司寄送支票;也不用來回跑了。
With a current account you have the advantage of a cheque book service, which means that you don't have the risk of carrying large amounts of cash with you. You also know where your money goes and where it comes from, because you get a regular statement from your bank, showing debit and credit entries (or payments and receipts respectively), and the balance. Nowadays banks in the UK do not return your cheque with each statement, so it is advisable to keep a record of transactions on the counterfoil or stub.
有了往來賬戶，客戶就可以享受到支票簿服務的便利，也就是說，客戶用不着隨身攜帶大量現金，避免了風險。客戶還可以瞭解到款項的去向和來源，因爲你可以定期收到銀行的對賬單，對賬單表明借記和貸記的金額(或分別顯示收、支金額)，以及餘額。目前，英國銀行在發送對賬單時不附支票，因此，保存好每筆交易記錄的支票存根或票根是明智的。
銀行賬戶的主要類型二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，利率是浮動的。客戶從賬戶上取款，要提前通知銀行，通知的時間一般爲七天。
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