什么是活期賬戶

什么是活期賬戶

　　活期賬戶在銀行是最常見的賬戶，資金由客戶交納，客戶也可以要求老板以銀行貸記劃款單的方式把他的工資或薪金劃入賬內。接下來小編為大家整理了什么是活期賬戶，希望對你有幫助哦!

　　This is the most popular kind of account in a bank. Funds are paid in by the customer, who may also ask his employer to pay his wages or salary direct into the account by means of a bank giro credit. The customer is usually issued with a cheque book although some customers use their accounts solely for the payment of standing orders or direct debits. Funds may be withdrawn on demand either by drawing cash by cheque at the branch where the account is maintained or by writing cheques in favour of another person.

　　活期賬戶在銀行是最常見的賬戶，資金由客戶交納，客戶也可以要求老板以銀行貸記劃款單的方式把他的工資或薪金劃入賬內。雖然有些客戶只是把賬戶以約期付款授權書或以直接借記方式作辦理付款之用，但客戶一般還是用支票付款。資金可以隨時提取,或者在賬戶行用支票提款,或者簽發支票給別人。

　　Current accounts should always be maintained in credit unless overdraft arrangements have been previously made.These arrangements will include an agreed “limit” on the account beyond which the customer should not draw.

　　活期賬戶應一直保持貸方余額，除非預先作了透支安排。這些安排包括賬面上雙方商定的“限額”，提款時不得超過這個限額。

　　Interest is calculated on the amount of overdraft on a daily basis and charged to the account half-yearly, at a rate based on the percentage over the bank's base rate. Where facilities for an overdraft are granted, the bank may also make a special charge for arranging them and committing the bank's money, whether the facilities are used or not. Security may be required to back an overdrawn account.

　　利息是根據銀行基準利率加上百分點，按逐日的透支金額計算，每半年借記賬戶。凡是授權透支，不管是否使用，銀行對安排透支與資金的承諾也可以收取特別費用。透支的賬戶可能要求提供擔保。

　　Interest is not paid by banks when a current account is in credit. Instead, charges are made on the basis of the number of transactions passing through the account. If any charges are to be made they are debited either quarterly or half-yearly.

　　活期賬戶有貸方余額時，銀行不支付利息。相反，銀行還要根據該賬戶辦理業務的筆數收取費用。如果收取費用，這些費用按季度或半年借記賬戶。

　　Most banks do not charge for payments into the accounts but operate a charge for debits such as cheques paid, standing orders and direct debits. The cost of these items is calculated quarterly or haft-yearly by the bank's computer and against this is set off “notional” rate of interest on the customer's average credit balance during the period. Where the “notional” interest exceeds the cost of the debit items no charge is made, although no interest is credited to the account.

　　大多數銀行對劃入賬戶的款項不收費用，但對借記的款項，如付款支票、按期付款和直接借記要加收費用。這些項目的費用由銀行的計算機按季度或半年計算一次，按照該期間內客戶平均貸方余額的“名義上”的利率抵消這些費用。盡管賬戶上沒有貸記利息，但凡是“名義上”的利率超過借記項目的費用，就不收取費用。

　　Nowadays all the major banks either publish their scale of charges or will explain them to a customer or potential customer on request.

　　如今，所有的銀行都公布收費標準，或者向客戶說明收費標準，或者有潛在客戶詢問時予以說明。

　　Current account holders are entitled to make use of most services of the bank.

　　往來賬戶的客戶享有辦理銀行大部分服務項目的權利。