transaction account

简明释义

交易帐户

英英释义

例句

1.Most banks offer a transaction account (活期账户) that allows for unlimited deposits and withdrawals.

大多数银行提供transaction account（活期账户），允许无限存款和取款。

2.I received my salary directly deposited into my transaction account (活期账户).

我的工资直接存入我的transaction account（活期账户）。

3.To avoid monthly fees, you need to maintain a minimum balance in your transaction account (活期账户).

为了避免每月费用，您需要在您的transaction account（活期账户）中保持最低余额。

4.You can easily transfer money between your savings account and your transaction account (活期账户).

您可以轻松地在您的储蓄账户和您的transaction account（活期账户）之间转账。

5.Setting up automatic payments from your transaction account (活期账户) can help you manage bills effectively.

从您的transaction account（活期账户）设置自动付款可以帮助您有效管理账单。

作文

In today's fast-paced financial world, understanding different types of bank accounts is crucial for effective money management. One type of account that plays a significant role in personal finance is the transaction account. A transaction account is a bank account that allows for numerous withdrawals and deposits, making it a flexible option for managing everyday expenses. Unlike savings accounts, which typically offer higher interest rates but limit the number of transactions, transaction accounts are designed for frequent use.The primary purpose of a transaction account is to provide easy access to funds. This is particularly important for individuals who need to pay bills, make purchases, or transfer money regularly. With a transaction account, account holders can write checks, use debit cards, and make electronic transfers without worrying about exceeding transaction limits. This flexibility makes it an ideal choice for budgeting and managing cash flow.Another advantage of transaction accounts is that they often come with features such as online banking, mobile apps, and automatic bill pay. These tools allow users to track their spending, set up recurring payments, and manage their finances more efficiently. For instance, by using the online banking feature, individuals can monitor their account balance in real-time, ensuring that they do not overspend or incur overdraft fees.However, it is essential to consider the fees associated with transaction accounts. While many banks offer these accounts with no monthly maintenance fees, some may charge fees for certain services or if the account balance falls below a specified amount. Therefore, it is advisable to compare different banks and their offerings before opening a transaction account. Additionally, some institutions may require a minimum deposit to open an account, so it's crucial to be aware of these requirements.When choosing a transaction account, individuals should also think about their personal financial habits. For example, someone who travels frequently might prefer a bank that offers free ATM access worldwide or reimbursement for out-of-network ATM fees. On the other hand, someone who primarily uses their account for local transactions may prioritize low fees and convenient branch locations.In conclusion, a transaction account is a vital tool for managing day-to-day finances. Its flexibility and accessibility make it an attractive option for individuals looking to streamline their financial activities. By understanding the features, benefits, and potential fees associated with transaction accounts, consumers can make informed decisions that align with their financial goals. As we navigate through the complexities of modern banking, having a solid grasp of various account types, including the transaction account, will empower us to take control of our financial future.

在当今快速发展的金融世界中，理解不同类型的银行账户对有效的资金管理至关重要。其中一种在个人财务中扮演重要角色的账户类型是交易账户。交易账户是一种允许多次提款和存款的银行账户，使其成为管理日常开支的灵活选择。与通常提供更高利率但限制交易次数的储蓄账户不同，交易账户旨在频繁使用。交易账户的主要目的是提供便捷的资金访问。这对于需要定期支付账单、进行购买或转账的个人尤为重要。拥有交易账户的账户持有人可以开支票、使用借记卡以及进行电子转账，而无需担心超过交易限制。这种灵活性使其成为预算和管理现金流的理想选择。交易账户的另一个优势是，它们通常配备在线银行、移动应用和自动账单支付等功能。这些工具使用户能够跟踪支出、设置定期付款并更有效地管理财务。例如，通过使用在线银行功能，个人可以实时监控账户余额，确保他们不会过度消费或产生透支费用。然而，考虑到与交易账户相关的费用也很重要。虽然许多银行提供这些账户而不收取月度维护费，但某些银行可能会对特定服务收费，或者如果账户余额低于指定金额，则会收取费用。因此，在开设交易账户之前，建议比较不同银行及其产品。此外，一些机构可能要求最低存款才能开设账户，因此了解这些要求至关重要。在选择交易账户时，个人还应考虑他们的财务习惯。例如，频繁旅行的人可能更喜欢提供全球免费ATM访问或报销网络外ATM费用的银行。另一方面，主要用于本地交易的人可能会优先考虑低费用和便利的分行位置。总之，交易账户是管理日常财务的重要工具。其灵活性和可访问性使其成为希望简化财务活动的个人的吸引选择。通过了解与交易账户相关的特点、好处和潜在费用，消费者可以做出符合其财务目标的明智决策。在我们应对现代银行复杂性的过程中，牢固掌握各种账户类型，包括交易账户，将使我们能够掌控自己的财务未来。