The savings deposit is a method of deposit that sets no limit on maturity date, time and amount of deposit and withdrawal. According to the different methods of deposit and withdrawal, there are four types of savings deposit: current passbook deposit, current check deposit, time-demand optional deposit, debit card deposit and notice deposit. 活期儲(chǔ)蓄存款是指不確定存期、客戶可隨時(shí)存取款、存取金額不限的一種儲(chǔ)蓄方式。按其存取款方式，活期儲(chǔ)蓄存款又可分為活期存折存款、活期支票存款、定活兩便存款、借記卡及通知存款等。
I.Definition 一、定義
The debit card deposit is defined as one that does not have a definite term, which is based on the current passbook account opened in the bank. It can't be overdrafted. With one current passbook, only one debit card can be opened. You can apply for the debit card without any guarantee. The functions of the card includes deposit or withdrawal, account transferring between the cards, inquiry of remaining amount, modification of password and consumption on the POS, etc. The cardholder can report loss, freeze, cancel the report of loss, cancel the freeze of the debit card . All these don't influence the use of the basic account. 借記卡存款是以在銀行開戶的活期存折為基本賬戶，沒有存款期限的一種儲(chǔ)蓄方式。借記卡存款不可以透支，每一個(gè)活期存折只允許開一個(gè)借記卡，客戶申請(qǐng)借記卡不需要擔(dān)保。其功能包括存取款、卡與卡轉(zhuǎn)賬、余額查詢、修改密碼、POS機(jī)消費(fèi)等。持卡任可以對(duì)借記卡掛失、凍結(jié)、解掛、解凍，不影響基本賬戶的使用。
II.Service Features 二、業(yè)務(wù)特點(diǎn)
Debit card deposit is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the debit card deposit is taken as the basis of clients' financial asset managements. 借記卡存款是銀行最基本、常用的存款方式，客戶可隨時(shí)存取款，自由、靈活調(diào)動(dòng)資金，是客戶進(jìn)行各項(xiàng)理財(cái)活動(dòng)的基礎(chǔ)?！?BR> III. Functions 三、功能
Aside from the functions of deposit and withdrawal, a debit card deposit account also has the following functions: 借記卡賬戶除了具有存取款功能外，還有以下功能：
1.To apply for debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops; 1、申辦借記卡，可在ATM機(jī)上辦理取款及轉(zhuǎn)賬等銀行業(yè)務(wù)，可在特約商戶購物消費(fèi)；
2.To handle salary payment service on agency; 2、辦理代發(fā)薪服務(wù)；
3.To apply for telephone banking service; 3、申請(qǐng)電話銀行服務(wù)；
4.To make an automatic banking. 4、通存通兌?！?BR> A client with a debit card deposit account may handle the deposit or the withdrawal at any savings office with the debit card. 客戶只要開立借記卡存款賬戶，便可以持借記卡在銀行儲(chǔ)蓄網(wǎng)點(diǎn)辦理存取款業(yè)務(wù)。
IV. Procedures for Account Opening 四、開戶手續(xù)
1.A debit card may be issued to you at the same time at any savings office after you transact the deposits and deposit a certain amount of cash （RMB 1 yuan at least） at the card issuing institution. 1、在銀行發(fā)卡機(jī)構(gòu)辦理存款手續(xù)，存入一定數(shù)額現(xiàn)金（起存1元），即可獲得借記卡?！?BR> 2.At the time of account opening, the client may choose the method of withdrawal by password. If the method of withdrawal password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller of the bank. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others. 2、開戶時(shí)可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，客戶須當(dāng)場選擇一個(gè)6位數(shù)字輸入作為該活期儲(chǔ)蓄賬戶的密碼，在柜臺(tái)上的密碼器上輸入，包括銀行經(jīng)辦人員在內(nèi)的其他人都無法知道密碼。密碼相當(dāng)于您取款的一把鑰匙，必須牢記，不可泄露他人。
I.Definition 一、定義
The debit card deposit is defined as one that does not have a definite term, which is based on the current passbook account opened in the bank. It can't be overdrafted. With one current passbook, only one debit card can be opened. You can apply for the debit card without any guarantee. The functions of the card includes deposit or withdrawal, account transferring between the cards, inquiry of remaining amount, modification of password and consumption on the POS, etc. The cardholder can report loss, freeze, cancel the report of loss, cancel the freeze of the debit card . All these don't influence the use of the basic account. 借記卡存款是以在銀行開戶的活期存折為基本賬戶，沒有存款期限的一種儲(chǔ)蓄方式。借記卡存款不可以透支，每一個(gè)活期存折只允許開一個(gè)借記卡，客戶申請(qǐng)借記卡不需要擔(dān)保。其功能包括存取款、卡與卡轉(zhuǎn)賬、余額查詢、修改密碼、POS機(jī)消費(fèi)等。持卡任可以對(duì)借記卡掛失、凍結(jié)、解掛、解凍，不影響基本賬戶的使用。
II.Service Features 二、業(yè)務(wù)特點(diǎn)
Debit card deposit is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the debit card deposit is taken as the basis of clients' financial asset managements. 借記卡存款是銀行最基本、常用的存款方式，客戶可隨時(shí)存取款，自由、靈活調(diào)動(dòng)資金，是客戶進(jìn)行各項(xiàng)理財(cái)活動(dòng)的基礎(chǔ)?！?BR> III. Functions 三、功能
Aside from the functions of deposit and withdrawal, a debit card deposit account also has the following functions: 借記卡賬戶除了具有存取款功能外，還有以下功能：
1.To apply for debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops; 1、申辦借記卡，可在ATM機(jī)上辦理取款及轉(zhuǎn)賬等銀行業(yè)務(wù)，可在特約商戶購物消費(fèi)；
2.To handle salary payment service on agency; 2、辦理代發(fā)薪服務(wù)；
3.To apply for telephone banking service; 3、申請(qǐng)電話銀行服務(wù)；
4.To make an automatic banking. 4、通存通兌?！?BR> A client with a debit card deposit account may handle the deposit or the withdrawal at any savings office with the debit card. 客戶只要開立借記卡存款賬戶，便可以持借記卡在銀行儲(chǔ)蓄網(wǎng)點(diǎn)辦理存取款業(yè)務(wù)。
IV. Procedures for Account Opening 四、開戶手續(xù)
1.A debit card may be issued to you at the same time at any savings office after you transact the deposits and deposit a certain amount of cash （RMB 1 yuan at least） at the card issuing institution. 1、在銀行發(fā)卡機(jī)構(gòu)辦理存款手續(xù)，存入一定數(shù)額現(xiàn)金（起存1元），即可獲得借記卡?！?BR> 2.At the time of account opening, the client may choose the method of withdrawal by password. If the method of withdrawal password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller of the bank. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others. 2、開戶時(shí)可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，客戶須當(dāng)場選擇一個(gè)6位數(shù)字輸入作為該活期儲(chǔ)蓄賬戶的密碼，在柜臺(tái)上的密碼器上輸入，包括銀行經(jīng)辦人員在內(nèi)的其他人都無法知道密碼。密碼相當(dāng)于您取款的一把鑰匙，必須牢記，不可泄露他人。