美國銀行業(yè)務(wù)辦理指導(dǎo)（雙語）
美國銀行業(yè)務(wù)辦理指導(dǎo)（雙語）
下面是學(xué)習(xí)啦小編整理的美國銀行業(yè)務(wù)辦理指導(dǎo)，歡迎大家閱讀!
A modern bank provides many services other than checking accounts. One of the most important of these is regular passbook savings.
If you went to a bank to open a savings account, you would go through almost the same procedures followed in applying for a checking account. First you would be asked to fill out a signature card. Then you would be given a passbook in which your initial deposit would be recorded. All deposits and withdrawals from your account are entered into your passbook. This means that the passbook contains an actual record of all transactions made and that you know the exact amount of savings you have at any one time. With a regular passbook savings account, you would be able to withdraw money whenever you needed it. All you would have to do is to fill out a withdrawal order and present it, along with your passbook, to the teller.
All banks pay interest on savings account. The interest rate varies from bank to bank, but the general range is from 4 1/2 to 6 percent. Banks also pay interest at different times. But the majority of them pay semiannually -- that is, every six months. Suppose, for example, that on January 1, you deposited class="main">
美國銀行業(yè)務(wù)辦理指導(dǎo)（雙語）
美國銀行業(yè)務(wù)辦理指導(dǎo)（雙語）
現(xiàn)代銀行提供除支票賬戶之外的許多業(yè)務(wù)，其中最重要的業(yè)務(wù)之一是定期存折儲蓄賬戶。
如果你到銀行開立儲蓄賬戶，你會經(jīng)歷與申請支票賬戶所需的相同手續(xù)。首先，你需要填寫印鑒卡。然后，你會得到一本記錄起始存款金額的存折。賬戶上的所有存取款都記入存折。這就是說，存折記載一切交易的真實(shí)情況，而且你會隨時了解到準(zhǔn)確的賬面存款余額。有了定期存折儲蓄賬戶，無論你何時需要都能夠取款。你需要做的事情就是填寫取款單，然后將它和存折一起遞交給銀行出納員。
所有銀行對儲蓄賬戶都要支付利息，各銀行的利率也不一樣，但變化范圍通常在年利率4 1/2%到6%之間。各銀行支付利息的時間也不一樣，大多數(shù)都是半年，即每隔六個月付一次利息。例如，假定一月一日，你存了1，000美元，銀行每隔半年按4 1/2%的利率支付利息，到七月一日你就會掙到22.50美元利息，這筆利息就會自動記到你的賬上。如果你不支取，它將并入原有的存款，在以后的六個月里，你將得到按本金1,022.50美元計(jì)算的利息。也就是說，你的利息是按復(fù)利計(jì)算的。