中文：

银行本票存款是指企业或个人在银行开立的一种本票存款业务，也称为“银行本票”。银行本票是一种由银行签发的承诺在见票时无条件支付确定金额给收款人或持票人的票据。这种存款方式具有一定的灵活性和便利性，可以满足客户在一定时间内的资金需求。

银行本票存款的特点在于其使用的范围广泛，适用于同城或异地结算。由于银行本票是由银行签发的，因此具有较高的安全性和可靠性。此外，银行本票的办理方式简单快捷，客户只需携带有效证件到银行办理即可。

银行本票的种类包括现金本票和转账本票。现金本票可以用于提取现金，而转账本票则用于转账结算。在开立银行本票时，需要按照银行的规定缴纳一定的保证金或提供担保。同时，根据不同的使用范围和期限，银行本票的利率也会有所不同。

英文：

Bank passbook deposit refers to a deposit business opened by enterprises or individuals at banks, also known as "bank passbook". The bank passbook is a kind of bill issued by the bank, which promises to pay the specified amount to the payee or the bearer without condition at the time of sight. This kind of deposit method has certain flexibility and convenience, which can meet the customer's financial needs within a certain period of time.

The characteristics of the bank passbook deposit lie in its wide range of use, which is suitable for both local and remote settlement. As the bank passbook is issued by the bank, it has high security and reliability. In addition, the bank passbook can be handled simply and quickly. Customers only need to bring valid documents to the bank to handle it.

The types of bank passbook include cash passbook and transfer passbook. Cash passbook can be used for cash withdrawal, while transfer passbook is used for transfer settlement. When opening a bank passbook, you need to pay a certain amount of guarantee or provide guarantees according to the bank's regulations. At the same time, the interest rate of the bank passbook will be different according to different use ranges and periods.