required deposit balance

简明释义

规定保留的存款余额

英英释义

例句

1.Failure to maintain the required deposit balance 所需存款余额 may result in monthly maintenance fees.

未能保持所需存款余额可能会导致每月的维护费用。

2.The required deposit balance 所需存款余额 for this investment account is $1,000.

此投资账户的所需存款余额为$1,000。

3.Before applying for a loan, ensure that your checking account has the required deposit balance 所需存款余额.

在申请贷款之前，请确保您的支票账户有所需存款余额。

4.To open a new savings account, you need to maintain a required deposit balance 所需存款余额 of at least $500.

要开设一个新的储蓄账户，您需要保持至少$500的所需存款余额。

5.The bank offers higher interest rates if you meet the required deposit balance 所需存款余额 for their premium accounts.

如果您满足其高级账户的所需存款余额，银行会提供更高的利率。

作文

In today's financial landscape, understanding various banking terms is crucial for effective money management. One such term that often comes up is the required deposit balance. This phrase refers to the minimum amount of money that a customer must maintain in their bank account to avoid fees or to qualify for certain services. Knowing this can help individuals better plan their finances and avoid unnecessary charges. Many banks impose a required deposit balance to encourage customers to keep a certain level of funds in their accounts. For instance, if a bank requires a minimum balance of $1,000, account holders must ensure that their balance does not drop below this threshold. Failure to maintain this amount could result in monthly fees, which can accumulate over time and diminish the overall savings of the account holder. Therefore, understanding the implications of a required deposit balance is essential for anyone looking to manage their finances wisely.Moreover, the required deposit balance can vary significantly from one bank to another and even between different types of accounts within the same bank. For example, a basic checking account may have a lower required balance compared to a premium account that offers additional benefits like higher interest rates or waived fees. This discrepancy means that consumers should shop around and compare different banking options to find an account that aligns with their financial habits and goals.In addition to avoiding fees, maintaining the required deposit balance can also provide access to better interest rates on savings accounts or certificates of deposit (CDs). Many banks offer tiered interest rates where higher balances yield better returns. Thus, individuals who are able to maintain the required balance can benefit from earning more interest on their savings, which can contribute to long-term financial growth.Furthermore, understanding the required deposit balance is not just about avoiding fees; it also plays a role in budgeting. By knowing how much money needs to stay in the account, individuals can better allocate their funds and create a more effective budget. This awareness helps prevent overspending and ensures that they always have enough in their accounts to meet the bank's requirements.In conclusion, the concept of a required deposit balance is a vital aspect of personal finance that everyone should understand. It influences how individuals manage their money, avoid fees, and maximize their savings potential. By being aware of this requirement and its implications, consumers can make informed decisions about their banking choices and ultimately enhance their financial well-being. Whether you are a seasoned investor or just starting your financial journey, keeping track of the required deposit balance can lead to smarter financial habits and a more secure future.

在当今的金融环境中，理解各种银行术语对有效的资金管理至关重要。其中一个常常出现的术语是要求存款余额。这个短语指的是客户必须在其银行账户中维持的最低金额，以避免费用或资格获得某些服务。了解这一点可以帮助个人更好地规划财务，避免不必要的费用。许多银行施加要求存款余额以鼓励客户在账户中保持一定水平的资金。例如，如果一家银行要求最低余额为1000美元，账户持有人必须确保其余额不低于此阈值。如果未能维持此金额，可能会导致每月收费，这些费用可能随着时间的推移而累积，减少账户持有人的整体储蓄。因此，理解要求存款余额的影响对于任何希望明智管理财务的人来说都是至关重要的。此外，要求存款余额在不同银行之间以及同一银行内不同类型的账户之间可能会显著不同。例如，基本支票账户的要求余额可能低于提供额外福利（如更高利率或免除费用）的高级账户。这种差异意味着消费者应该四处比较，寻找与其财务习惯和目标相符的账户。除了避免费用外，维持要求存款余额还可以为储蓄账户或定期存款（CD）提供更好的利率。许多银行提供分级利率，高余额可获得更好的回报。因此，能够维持所需余额的个人可以从他们的储蓄中赚取更多的利息，这有助于长期财务增长。此外，理解要求存款余额不仅仅是为了避免费用；它还在预算中发挥作用。通过知道需要保留多少钱在账户中，个人可以更好地分配资金并制定更有效的预算。这种意识有助于防止超支，并确保他们始终有足够的资金满足银行的要求。总之，要求存款余额的概念是个人财务的重要方面，每个人都应该理解。它影响个人如何管理资金、避免费用并最大化储蓄潜力。通过了解这一要求及其影响，消费者可以就其银行选择做出明智的决定，从而最终提高他们的财务健康。无论您是经验丰富的投资者还是刚开始财务旅程的人，跟踪要求存款余额都可以导致更聪明的财务习惯和更安全的未来。