中文：

定期转活期是指将原来存为定期的存款转为活期存款。这是银行储蓄存款的一种操作方式，适用于那些在定期存款到期后，想要将其转为活期存款进行使用的人群。

定期存款的利率通常比活期存款要高，但是有一定的期限限制，在期限内不能提取。如果定期存款到期后，客户没有按时将钱取出，那么会自动转为活期存款。此时，虽然存款的利率变低了，但是可以随时取出使用。

定期转活期操作需要注意以下几点。首先，要提前了解定期存款的利率和期限，以便在存款到期前做出正确的决策。其次，在办理定期转活期时，需要提供身份证明和定期存款证明等相关材料。最后，要注意活期存款的利率较低，如果需要使用大量的资金，可以考虑将其转为其他高收益的理财产品。

总的来说，定期转活期是一种常见的银行储蓄操作方式，适用于那些需要将定期存款转为活期存款进行使用的人群。在操作时要注意相关事项，根据自身的需求和经济状况做出决策。

英文：

Fixed-term to demand deposit refers to converting the original fixed-term deposit to demand deposit. This is an operation mode of bank savings deposit, which is suitable for those who want to convert their fixed-term deposits to demand deposits after the maturity.

The interest rate of fixed-term deposit is usually higher than that of demand deposit, but there is a time limit, and it cannot be withdrawn during the period. If the fixed-term deposit matures and the customer fails to withdraw the money on time, it will automatically be converted to demand deposit. At this point, although the interest rate of the deposit decreases, it can be withdrawn and used at any time.

When conducting the conversion from fixed-term to demand deposit, there are a few points to note. Firstly, it is necessary to understand the interest rate and maturity of the fixed-term deposit in advance so as to make the right decision before the maturity. Secondly, when applying for converting fixed-term deposit to demand deposit, it is necessary to provide identity proof, fixed-term deposit certificate and other relevant materials. Finally, it should be noted that the interest rate of demand deposit is relatively low. If a large amount of funds is needed, it can be considered to convert it into other high-yield investment products.

Overall, fixed-term to demand deposit is a common operation mode of bank savings deposit, which is suitable for those who need to convert fixed-term deposits to demand deposits for use. When operating, attention should be paid to related matters and decisions should be made based on one's own needs and economic situation.