中文：

整存整取是指存款时选择存入整笔较大金额，支取时也要求取出整笔较大金额的一种储蓄方式。这种储蓄方式通常需要在存款时选择存款期限，一般分为一年、三年、五年等不同期限。在存款期间，整存整取的利率会根据所选期限的不同而有所不同，一般而言，存款期限越长，利率越高。

整存整取的储蓄方式适合那些有较大额资金需要储蓄，且需要在一定时间内不需要使用这笔资金的投资者。通过这种方式储蓄，可以获得较高的利息收益，同时也可以避免频繁取出资金导致的利息损失。

在银行办理整存整取业务时，需要注意选择合适的期限和利率，以便在储蓄时获得最佳收益。同时，还需要注意提前支取或逾期支取的影响，因为提前支取会导致利息损失，而逾期支取则可能会影响个人征信记录。

英文：

Fixed deposit refers to a savings method where the depositor deposits a large sum of money in one lump sum and withdraws the same amount in one lump sum when needed. This savings method usually requires the depositor to choose a deposit period when depositing, generally one year, three years, five years, and other different periods. During the deposit period, the interest rate of fixed deposit will vary depending on the chosen period, and generally speaking, the longer the deposit period, the higher the interest rate.

Fixed deposit is suitable for investors who have a large amount of funds to save and do not need to use this money for a certain period of time. By saving in this way, investors can obtain higher interest income and avoid interest losses caused by frequent withdrawal of funds.

When applying for fixed deposit business in banks, depositors need to choose appropriate periods and interest rates in order to obtain the best return on investment. In addition, depositors also need to pay attention to the impact of early withdrawal or overdue withdrawal, because early withdrawal will result in interest losses, while overdue withdrawal may affect personal credit records.