什么是活期存款账户？

中文版

活期存款账户，也称为活期账户或活期储蓄账户，是银行为客户提供的一种基本的存款账户类型。与定期存款账户不同，活期存款账户允许客户随时存取资金，无需提前通知银行，也没有固定的存款期限。因此，活期存款账户通常被视为一种流动性较高的存款方式。

活期存款账户的特点主要有以下几点：

首先，活期存款账户具有高度的灵活性。客户可以随时存入或取出资金，无需受到时间或金额的限制。这种灵活性使得活期存款账户成为满足日常资金需求的理想选择。

其次，活期存款账户通常与各种支付工具相结合，如银行卡、支票等。客户可以通过这些支付工具方便地进行资金转账和支付，满足各种交易需求。

然而，由于活期存款账户的随时存取特性，银行需要支付更多的运营成本来维护这些账户。因此，活期存款的利率通常较低，甚至可能没有利息。

英文版

What Is a Demand Deposit Account?

A demand deposit account, also known as a current account or demand savings account, is a basic type of deposit account offered by banks to their customers. Unlike a fixed deposit account, a demand deposit account allows customers to deposit and withdraw funds at any time, without advance notice to the bank and without a fixed deposit term. Therefore, a demand deposit account is often regarded as a highly liquid deposit option.

Here are some key features of a demand deposit account:

Firstly, a demand deposit account offers great flexibility. Customers can deposit or withdraw funds at any time, without restrictions on timing or amount. This flexibility makes the demand deposit account an ideal choice for meeting daily financial needs.

Secondly, a demand deposit account is usually linked with various payment tools, such as bank cards, checks, etc. Customers can conveniently transfer funds and make payments through these payment tools, meeting various transactional needs.

However, due to the on-demand access feature of a demand deposit account, banks need to incur higher operating costs to maintain these accounts. Therefore, the interest rate on demand deposits is usually low, or there may even be no interest at all.