Customers generally visit a bank for two reasons. The first is to borrow money to purchase an item, which might cost more than their monthly income. The second is to deposit their money in the bank for safe- keeping. This money is kept in a bank account, and as compensation for the use of the customer's money the bank pays interest to the customer. There are many types of customer banking accounts. The most common are savings accounts, time or term deposit accounts, foreign currency accounts, cash management accounts, money market accounts and checking accounts. The level of interest available on these accounts depends on the whether the funds are available on demand (also referred to as at call deposits), the currency the account is denominated in and the source of end investment used by the bank. Usually the higher the interest rate, the less access the customer has to their money.
客戶訪問銀行通常出于兩種目的。第一種目的是向銀行借錢購買可能超過他們月收入的商品。第二種目的是基于安全考慮把錢存到銀行里。錢存在銀行的賬戶上，作為使用客戶資金的補償，銀行向客戶支付利息?？蛻舻你y行賬戶有各種類別。最常見的是儲蓄賬戶、定期存款賬戶、外匯賬戶、現(xiàn)金管理賬戶、貨幣市場賬戶和支票賬戶。這些賬戶的利率取決于這些資金是否可以被隨時支取(也被稱為通知存款)。存款存放在賬戶里，是銀行用來投資的最終源泉。通常利率越高，客戶取回他們存款的難度就越高。
客戶訪問銀行通常出于兩種目的。第一種目的是向銀行借錢購買可能超過他們月收入的商品。第二種目的是基于安全考慮把錢存到銀行里。錢存在銀行的賬戶上，作為使用客戶資金的補償，銀行向客戶支付利息?？蛻舻你y行賬戶有各種類別。最常見的是儲蓄賬戶、定期存款賬戶、外匯賬戶、現(xiàn)金管理賬戶、貨幣市場賬戶和支票賬戶。這些賬戶的利率取決于這些資金是否可以被隨時支取(也被稱為通知存款)。存款存放在賬戶里，是銀行用來投資的最終源泉。通常利率越高，客戶取回他們存款的難度就越高。