美國的定期存摺儲蓄賬戶業務
銀行是以存款、貸款、電匯、儲蓄等業務，承擔信用中介的金融機構。接下來小編爲大家整理了美國的定期存摺儲蓄賬戶業務，希望對你有幫助哦!
A modern bank provides many services other than checking accounts. One of the most important of these is regular passbook savings.
現代銀行提供除支票賬戶之外的許多業務，其中最重要的業務之一是定期存摺儲蓄賬戶。
If you went to a bank to open a savings account, you would go through almost the same procedures followed in applying for a checking account. First you would be asked to fill out a signature card. Then you would be given a passbook in which your initial deposit would be recorded. All deposits and withdrawals from your account are entered into your passbook. This means that the passbook contains an actual record of all transactions made and that you know the exact amount of savings you have at any one time. With a regular passbook savings account, you would be able to withdraw money whenever you needed it. All you would have to do is to fill out a withdrawal order and present it, along with your passbook, to the teller.
如果你到銀行開立儲蓄賬戶，你會經歷與申請支票賬戶所需的相同手續。首先，你需要填寫印鑑卡。然後，你會得到一本記錄起始存款金額的存摺。賬戶上的所有存取款都記入存摺。這就是說，存摺記載一切交易的真實情況，而且你會隨時瞭解到準確的賬面存款餘額。有了定期存摺儲蓄賬戶，無論你何時需要都能夠取款。你需要做的事情就是填寫取款單，然後將它和存摺一起遞交給銀行出納員。
All banks pay interest on savings account. The interest rate varies from bank to bank, but the general range is from 4 1/2 to 6 percent. Banks also pay interest at different times. But the majority of them pay semiannually -- that is, every six months. Suppose, for example, that on January 1, you deposited $1,000 in a bank that paid 4 1/2 percent interest semiannually. By July 1, you would have earned $ 22.50 interest. This interest would automatically be credited to your account; and if you left it in the bank, along with your original deposit, you would receive interest on $1,022.50 for the next six-month period. That is, your interest would be compounded.
所有銀行對儲蓄賬戶都要支付利息，各銀行的利率也不一樣，但變化範圍通常在年利率4 1/2%到6%之間。各銀行支付利息的時間也不一樣，大多數都是半年，即每隔六個月付一次利息。例如，假定一月一日，你存了1，000美元，銀行每隔半年按4 1/2%的利率支付利息，到七月一日你就會掙到22.50美元利息，這筆利息就會自動記到你的賬上。如果你不支取，它將併入原有的存款，在以後的六個月裏，你將得到按本金1,022.50美元計算的利息。也就是說，你的利息是按複利計算的。
