账户的主要种类( 双语)

　　There are two main types of bank account in a bank： current accounts and deposit accounts.

　　银行账户主要有两种类型：往来账户和存款账户。

　　A current account allows you to use a cheque book，but your money doesn't earn interest. There are bank charges for current accounts， but if your account remains in credit you need to pay no charges at all. You must keep a certain amount in credit in your current account to avoid charges. This amount changes from time to time.　　

　　往来账户的客户可以使用支票，但银行不付利息；也有的银行对往来账户收取手续费，但对有贷方余额的账户是不收费的。因此，客户要想避免支付手续费，就应在往来账户上保持一定金额的贷方余额。这个金额往往会不断变化。

　　A deposit account earns interest， but it doesn't allow you to use a cheque book. The rate of interest fluctuates. You can withdraw money from a deposit account by giving notice to the bank. This notice is usually seven days.

　　存款账户有利息，但客户不能使用支票提款，利率是浮动的。客户从账户上取款，要提前通知银行，通知的时间一般为七天。