什么是活期儲(chǔ)蓄存款

什么是活期儲(chǔ)蓄存款

　　活期儲(chǔ)蓄存款是指不確定存期、客戶可隨時(shí)存取款、存取金額不限的一種儲(chǔ)蓄方式。接下來(lái)小編為大家整理什么是活期儲(chǔ)蓄存款，希望對(duì)你有幫助哦!

　　The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit and withdrawal. According to the different methods of deposit and withdrawal, there are four types of savings deposit: current passbook deposit, currentdeposit with check, time-demand optional deposit, debit card deposit and notice deposit.

　　Currentdeposit with check is defined as one that does not have a definite term with the minimum amount of at least 5,000 RMB yuan in the account; that is guaranteed by client's own standing, and the depositors can make deposits and withdrawals by a current check from the check account at any time after you are issued with a check book by the savings office.

　　Currentdeposit with check is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients' financial asset managements.

　　Aside from the functions of deposit and withdrawal, a current passbook deposit account also has the following functions:

　　1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops;

　　2.To handle salary payment service on agency;

　　3.To apply for telephone banking service;

　　4.To make an automatic banking.

　　A client with a current passbook deposit account may handle the deposit or the withdrawal at any banking institution with the current check.

　　A checkbook may be issued to you after you fill out a deposit slip and deposit a certain amount of cash (5,000 RMB yuan at least) at any banking outlets.

　　活期儲(chǔ)蓄存款是指不確定存期、客戶可隨時(shí)存取款、存取金額不限的一種儲(chǔ)蓄方式。按其存取款方式，活期儲(chǔ)蓄存款又可分為活期存折存款、活期支票存款、定活兩便存款、借記卡及通知存款等。

　　活期支票存款是指不確定存期，起存金額為5,000元人民幣，以個(gè)人信用為保證，開(kāi)戶后由儲(chǔ)蓄機(jī)構(gòu)發(fā)給支票簿，憑活期支票在支票賬戶中支取款項(xiàng)的一種儲(chǔ)蓄方式。

　　活期支票存款是銀行最基本、常用的存款方式，客戶可隨時(shí)存取款，自由、靈活調(diào)動(dòng)資金，是客戶進(jìn)行各項(xiàng)理財(cái)活動(dòng)的基礎(chǔ)。

　　活期支票存款賬戶除了具有存取款功能外，還有以下功能：

　　1、申辦與之配套的電子借記卡，可在ATM機(jī)上辦理取款及轉(zhuǎn)賬等銀行業(yè)務(wù)，可在特約商戶購(gòu)物消費(fèi);

　　2、辦理代發(fā)薪服務(wù);

　　3、申請(qǐng)電話銀行服務(wù);

　　4、通存通兌。

　　客戶只要開(kāi)立活期支票存款賬戶，便可以持活期支票在任一銀行機(jī)構(gòu)辦理存取款業(yè)務(wù)。

　　在銀行任一分支機(jī)構(gòu)填寫(xiě)存款憑條，存入一定數(shù)額現(xiàn)金(起存金額5,000元人民幣)，即可獲得活期支票簿。