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(nèi)。接下來(lái)小編為大家整理了什么是活期賬戶，希望對(duì)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 Funds may be withdrawn on demand either by drawing cash by cheque at the branch where the account is maintained or by writing cheques in favour of another person.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(nèi)。雖然有些客戶只是把賬戶以約期付款授權(quán)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(shí)提取,或者在賬戶行用支票提款,或者簽發(fā)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(yīng)一直保持貸方余額，除非預(yù)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(shí)不得超過(guò)這個(gè)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(jù)銀行基準(zhǔn)利率加上百分點(diǎn)，按逐日的透支金額計(jì)算，每半年借記賬戶。凡是授權(quán)透支，不管是否使用，銀行對(duì)安排透支與資金的承諾也可以收取特別費(fèi)用。透支的賬戶可能要求提供擔(dān)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(shí)，銀行不支付利息。相反，銀行還要根據(jù)該賬戶辦理業(yè)務(wù)的筆數(shù)收取費(fèi)用。如果收取費(fèi)用，這些費(fèi)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(shù)銀行對(duì)劃入賬戶的款項(xiàng)不收費(fèi)用，但對(duì)借記的款項(xiàng)，如付款支票、按期付款和直接借記要加收費(fèi)用。這些項(xiàng)目的費(fèi)用由銀行的計(jì)算機(jī)按季度或半年計(jì)算一次，按照該期間內(nèi)客戶平均貸方余額的“名義上”的利率抵消這些費(fèi)用。盡管賬戶上沒(méi)有貸記利息，但凡是“名義上”的利率超過(guò)借記項(xiàng)目的費(fèi)用，就不收取費(fèi)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(fèi)標(biāo)準(zhǔn)，或者向客戶說(shuō)明收費(fèi)標(biāo)準(zhǔn)，或者有潛在客戶詢問(wèn)時(shí)予以說(shuō)明。

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

　　往來(lái)賬戶的客戶享有辦理銀行大部分服務(wù)項(xiàng)目的權(quán)利。