申请美国大学需要提供存款证明是一个常见的要求。具体存款金额的要求因大学和学习计划的不同而异。在撰写存款证明申请之前，有几个方面需要考虑。

首先，学费和生活费是影响所需存款金额的主要因素。美国大学的学费范围非常广泛，公立学校的学费相对较低，私立学校的学费则较高。此外，生活费也必须纳入考量，包括住宿、饮食、交通、书籍和其他日常开销。不同城市的生活费水平也存在差异。因此，在提供存款证明之前，需要了解目标学校的学费和生活费用。

其次，学习计划的长度也会对存款证明产生影响。如果你计划完成一个学士学位项目，通常需要提供足够的资金来支付四年的学费和生活费。然而，如果你正在申请一个研究生项目，那么你只需要提供足够支付项目全程所需的费用。

最后，政府机构和学校通常对所需存款金额有指导性的建议。例如，美国移民局会要求你提供足够的资金来支付一年的学费和生活费。某些学校可能会有更高的要求，他们可能会建议你提供更多的存款证明。

需要注意的是，存款证明并不意味着你必须在银行账户中存入全部金额。你可以提供其他的经济资助证明，例如奖学金、助学金、家庭资助或担保人的证明等等。这样一来，你只需要提供剩余部分的存款证明。

总之，申请美国大学时，存款证明是一个重要的文件。为了确定所需存款金额，你应该考虑学费和生活费用、学习计划的长度以及政府机构和学校的指导性建议。同时，你还可以通过其他经济资助方式来减少存款金额。

英文翻译对照：

Applying for a US university requires providing proof of funds, which is a common requirement. The specific amount of funds required varies depending on the university and study program. There are several factors to consider before preparing the financial documentation.

Firstly, tuition fees and living expenses are the main factors that affect the required amount of funds. The range of tuition fees in US universities is wide, with public schools generally having lower tuition fees compared to private schools. In addition, living expenses, including accommodation, meals, transportation, books, and other daily expenses, must be taken into account. The cost of living also varies across different cities. Therefore, it is necessary to be aware of the tuition fees and living expenses of the target university prior to providing proof of funds.

Secondly, the duration of the study program also affects the amount of funds required. If you plan to complete an undergraduate program, you generally need to provide enough funds to cover four years of tuition fees and living expenses. However, if you are applying for a graduate program, you only need to provide enough funds to cover the expenses for the duration of the program.

Lastly, government agencies and universities often provide guidance on the required amount of funds. For instance, the US immigration authorities require you to provide sufficient funds to cover one year of tuition fees and living expenses. Some universities may have higher requirements and may suggest providing a larger proof of funds.

It's important to note that proof of funds does not necessarily mean that you need to deposit the entire amount in a bank account. You can provide other forms of financial support, such as scholarships, grants, family sponsorship, or proof of a sponsor, to reduce the required amount of funds.

In conclusion, proof of funds is an important document when applying for a US university. To determine the required amount of funds, you should consider tuition fees and living expenses, the duration of the study program, and the guidance provided by government agencies and universities. Additionally, you can reduce the required amount of funds by utilizing other forms of financial support.