银行账户类型及功能术语.pdfVIP

GLOSSARY

savingsaccount–abankaccountdesignedtoholdthemoneythatonehas

savedandpaytheownerasmallpercentage,sothatthemoneycanbeusedfor

special,importantpurchasesinthefuture

*Ifwebuythatexpensivenewcar,we’llhavetousemostofthemoneyinour

savingsaccount.

checkingaccount–abankaccountdesignedtoholdasmalleramountof

moneythatcanbeaccessedmanytimeseachdaytomakesmallpurchaseswith

adebitcardorwithacheck

*Dowehaveenoughmoneyinourcheckingaccounttopaythephonebillthis

month?

CD–certificateofdeposit;abankaccountdesignedtoholdalargeamountof

moneyforacertainperiodoftimeduringwhichitwillnotbetouched,and

designedtopaytheownerapercentageofthatmoney

*Theyhavealotofextracash,butthey’retooscaredtoinvestinthestock

market,sothey’regoingtoopenaCDinstead.

interest-earning–describinganaccountthatpaystheownerapercentageof

theamountofmoneyintheaccount

*Ihaveaninterest-earningaccount,butitpayssthanonepercent.

freechecking–acheckingaccountthattheownercanhaveandusewithout

payingthebankforit;acheckingaccountwithnomonthlyfeesorcheck-printing

fees

*Freecheckingaccountsaregreat,butyoustillhavetopayfinesifyouwrite

checkswhenyoudon’thaveenoughmoneyinthebank.

servicecharge–anamountofmoneychargedbyabankforaservice,suchas

usinganATMorspeakingwithabankemployee

*Wecouldn’tbelieveitwhenthebankstartedcharginga$3servicefeeeach

timewewentintodoourtransactions.

minimumbalance–theminimumamountofmoneythatonemustkeepina

bankaccountinordertokeepitopenand/oravoidamonthlycharge

*Weofferafreesavingsaccountaslongasyoumaintainaminimumbalanceof

$600.